Home Improvement Contractor - Licensed Contractors
Contractors Liability Insurance Knowledge Base
what does it cost for $1000000 contractors liability insurance? what does it cost for $1000000 contractors liability insurance in texas.
Help with contractors liability insurance? Hi, i've just set up a new construction company and need to look into contractors/public liability insurance/assurance???!!! Basically i dont have a clue about it!!! Is there anyone out there who can guide me in the right direction...i've heard it could be ridiculous sums of money so any help on cost effective solutions would be much appreciated. Cheers.
General contractors liability insurance? I am in the process of getting my contractors lic. in california. I am getting the General B lic. Just curious if there are any other contractors on here that can give me an idea what General liability insure is going for. I will be doing remodels mostly, alot of foreclosure/house flipping kind of thing. Thanks
Contractors liability insurance? Well, I am an electrical contractor.I currently have Contractors general liability insurance for commercial and residential electrical.On my policy (right next to my class code) it reads: "Electrical Work-within buildings". I grilled my agent about whether or not I am covered for outside electrical.He said he called the underwriter (which I do not know if I believe him) and they said I was covered for outside electrical work also. I have read my policy (over and over) and could not find anything that reads that I am covered for any kind of outside work, or pool/spa electrical. FYI : I am a one man show.The most you will catch me doing is a kitchen remodel, or a service upgrade. The biggest thing I would be doing outside would be pool electrical. Any input
Is contractual liability insurance provided in a artisan contractors policy when working for water districts? water district give letter to contractor to assume liability for the washed out water line under our insurance requirements, agent denied claim and never contacted insurance company
What is the best hassle free way to purchase Contractor's General Liability Insurance? I am a california contractor and need to know the best insurance agency to help me find affordable Contractors General Liability Insurance
contractors general liability insurance audits? PLEASE HELP.......... I am being audited on my general liability insurance & I have never done this before...........i am so clueless! HELP
general contractors general liability insurance co.? My wife severely injured / broke her ankle on a landing that had no rail or fall protection provided. The general contractor was responsible for the framing of the steps and the landings ( the entire house) he also carried the building permit and is responsible for any injuries resulting form the contractor operations as his contract states. He refuses to give me the name of his insurance co. I have sent him a demand letter, explanations, but no insurance co. has contacted me yet. I want to talk to his ins co. to try to settle this before I hire my attorney.
Can Contractor without liability insurance file bankruptcy? Can a home improvement Contractor in Pennsylvania without liabilty insurance and few assets declare bankruptcy and discharge the debt of a lawsuit brought against him for damages to a customer's home? Thanks.
How can I find liability insurance for a building contractor? I'm looking for liability insurance for a contractor who specializes in home remodeling for people with dissabilities?
Where to get cheap Contractor General Liability Insurance? Any Ideas? I Am in Wisconsin. Have no employees. Only me. And Am in Property Preservation. Rekeying, lawncare, winterizing, and pick up and removal of garbage and debris.
What is the typical price range for an insurance policy fee? My question is primarily directed at Business insurance, Liability,Contractors insurance, etc... Although, any policy fee price range would be appreciated. Thanks. Thank you all for your answers. Let me explain my question. I'm a Safety Engineer, doing a feasibility analysis for my prospective contractor Safety/Loss prevention business. I intend to provide business liability insurers(underwriters) with a risk assessment /loss prevention inspection overview and suggestions,as needed. Particularly, Industrial and construction sites. As well as, property assets including residential (home owners). Here is one of my purposes: I know, first hand, that there is a need for third party inspections. I'm trying to figure a fair price schedule. Like, what is the norm for these services? How feasible is this service to Insurers, I mean by an established safety professional? ( home owners, as in mortgage insurance)
Can anyone tell me where I can get general liability insurance for a self-employed administrative contractor? I am self-employed as an administrative contractor. I have the opportunity to land a lucrative contract, but the client has requested that I carry a simple general liability policy. I have been to all the major insurance carriers in town, and nobody has heard of such a thing for an office employee. Any ideas?
What does liability insurance cover for a contractor? If an electrician (or plumber or any other professional) comes to my home and injures himself (in the case of an electrician, he electricutes himself) do I have any liability? Does it matter if he's a licensed professional or not? What if he damages my home - like a ladder falls and breaks a window? When an electrician says he's "insured" does it mean he's covered for damage to my home or damage to himself? Or both? Thanks to all who can provide some answers!
looking for a type of Construction Liability insurance that protects me as a contractor from getting sued? I am looking for inexpensive Liabilty insurance that protects contractors from law suits...and also a good inexpensive but reliable workmans comp insurance company
Workman's comp and liability insurance for a contractor? If you were to start up a small construction business I know you would need workman's comp and liability insurance for say 3 employees, but where would you get this insurance and how much (round about) would it cost? Do they ask for a down payment and then you make monthly payments?
Contractor Liability insurance? I am an electrical contractor.I do anything from Trouble calls, remodels, room additions, dedicated circuits (inside and outside), pool electrical, landscape lighting (Line and low voltage),.......etc....... I was looking at my commercial insurance policy (for my business).It states that I am only insured/covered for electrical work "within" buildings.Does this mean that I am not covered for anything not connected to a structure? So I cannot do pool electrical? I cannot not run a dedicated circuit to a receptacle in the middle of the front/back yard? I cannot install landscape lights?
Is liability insurance necessary for a mechanical design engineer working as a contractor without an agency? I am a mechanical design engineer working in product development in the U.S., and I am pursuing work as a contractor. I have a potential client that is willing to hire me and pay a gross salary without an agency. Do I need my own liability insurance? I am not a licensed PE, if that makes any difference.
Is it a legal requirement to have insurance when you are self employed? I am about to sign a contract, as a self-employed contractor, and one of the point refers to me having liability insurance. Is it a legal requirement?
liability insurance classification codes? I am a contractor.My liability insurance class code is 72478.What exactly is a class code.Is There anywhere that I can look these up?Are these class codes universal (used by all ins. providers)?
Contractor Insurance clause? I've been offered a sales contractor agreement to sell software. One of the contract's clauses concerns me: Insurance -- I'm required to maintain $1,000,000 worth of liability insurance. Is this really necessary (I'm just selling software, not providing structural engineering consulting), and how much would this insurance cost? Thanks very much.
What does liability insurance cover for an electrician or other contractor? If an electrician (or plumber or any other professional) comes to my home and injures himself (in the case of an electrician, he electricutes himself) do I have any liability? Does it matter if he's a licensed professional or not? What if he damages my home - like a ladder falls and breaks a window? When an electrician says he's "insured" does it mean he's covered for damage to my home or damage to himself? Or both? Thanks to all who can provide some answers!
What Companies provide Home Improvement Contractors Insurance? I need an insuarance certificate for public liability for $1000,000 and property damage for 25,000
Public Liability Insurance Germany? We are a recruitment currently based in the UK and are setting up a branch in Germany. In the UK we have to have Public Liability insurance for the contractors that we send out ... does anybody know if this is required in Germany - Berlin?
Do i need public liability insurance I am self employed in a consultancy role, however the main contractor has asked me to operate a crane on there behalf. I am qualified to drive the crane and am happy to do so, but do i require my own Public liability or any other insurance?
General Contractor looking for General Liability Insurance for another state? I am currently a Residential contractor looking for General Liability Insurance that would cover me in other states as in Georgia. I was wondering if anyone knowes of an Insurance company that may underwrite my buisness for structural repairs. It may seem as simple as asking my insurance company"state auto" but they are having a hard time finding a company that would underwrite this.
I am looking for General Liability insurance for a start up remodeling company.? I will be the only employee. I have heard that I must have insurance and this is based on my payroll. If I pay a sub-contractor for work performed does he become my employee and am I liable for his actions on the job site? What does general liability insurance cover? What is a insurance audit?
What does the law say about running a home improvement company without a contractors license? I am a handy man and have a bussnes license and liability insurance but do not have a contractors license yet. i do not want problems and need to know the law regarding this.
Is contractor's general liability insurance available for hours worked rather than wages paid? We are a small general contracting firm in West Virginia and have an opportunity to perform a long-term contract with a governmental agency which will require us to pay prevailing wage rates; approximately 20% higher than our normal wage rates. Is there a general liability company or is coverage available based upon hours worked or type of work performed, rather than wages paid? Our current coverage is based upon payroll and will take a substantial jump in premium with this contract. I realize that we could adjust our premium, but this contract prompted the question about hours worked.
My nanny agency needs liability insurance, which one should we get? I run a referral agency in VA, I also have a couple of independent contractors in other states working for me, I want to get liability insurance in case there are ever any problems but don't know what one to get and do not want to be took for a lot of money. Can anyone tell me what one I should get? Just for the record, I am not the nanny myself nor are my reps, we locate nannies to do the work or refer them to families. My reps are not my employees. We have a contractual agreement saying just that, I am not responsible for workmans comp and they are not my employees, at least that is what I have been told.
What would you expect the Premium to be on Employers and Public Liability Insurance for £10M cover on each as? a Sub-Contractor to a Main Contractor? Say £2M Turnover and 1/3 Staff costs
Is Public liability insurance legally required for self employed people in the construction industry? I work as a self employed labourer with bricklayers for asub contractor , am I legally required to take out public liability insurance
Do Independent Contractors in California need to carry Workmen's Comp Insurance? I am a freelancer in California and am being asked by clients for proof of workmen's comp, business license, liability insurance, etc. etc. - Sounds to me that they want me to be a small business - Is that correct? I am clearly an independent contractor - What is the deal?
as a contractor with general liability insurance what is the % that i can deduct from a hired subcontractor wi i hired a non insured subcontractor what % do I deducct
which insurance company gives you the best premium on general contractors insurance? general liability insurance
How do I get insurance for independent contractors in Columbus, Ohio? I have a home care agency in Columbus Ohio and I need info on how the contractors get bonding and workers comp or even liability. I was told they can get bonding downtown somewhere but I dont know where. Also I was told they can sign a form denying wanting workers comp coverage but I'm not sure if thats true. Any help would be nice.
Does a general contractor in CA need to be licensed to be covered by liability insurance? Please provide a link if possible so that I can print the information.
Which insurance company gives you the best premium on general contractors insurance in california? insurance general liability
What's a good hot spot in the country where a lot of people need to buy contractors insurance? Like general liability, bonding, workers comp., commercial auto, etc.
How much would it cost for 3-5 million dollars General Liability Insurance? I work in various chemical plants and refineries repairing/maintaning/calibrating the laborotory instruments in these places. I'm currently working as a sub-contractor through another company but that is about to change, as my business partner and I are breaking away from them to start our own business. Most of these plants require between 3-5 million in liability coverage to my knowlege. I need a ballpark figure of what that kind of coverage costs in the Louisiana/Gulf coast region. Last year we did $150,000 in sales between 3 people and the revenue has been growing substantially each year (~20% or so). Thanks in advance for your answer.
About how much does General liability insurance? Any Independent Contractors out there that could give me an idea about how much it cost, because I have no idea. oops: About how much does General liability insurance cost? age 39 Great driving record.
where can I get indemnification and waiver of liability forms? I need these forms for uninsured Contractor and his uninsured contract labor workers. We live on Cape Cod and have already tried more than a dozen contractors. This one was recommended by the roofing materials company and may have some liability insurance but I still want to have waiver and indemnification forms to protect me in case anyone is injured.
Where can I get good insurance leads? I sell Contractors Insurance for roofers, electricians, plumbers, carpenters, etc. I sell general liability, workers comp., tool coverage, commercial auto, etc. Where and how can I find some good leads of contractors who need insurance or need to renew their current insurance?
What type of insurance should an owner-builder carry during course of construction? Our family is building a second home. We have a general contractor who is putting up the shell. However, we will be doing all of the interior and exterior finishing ourselves. We have tried to get a home owner's insurance policy, but they won't cover us until we have the house finaled. We are looking for both coverage for the cost of the structure and liability insurance. What kind of policy should we be looking for and what type of insurance agents should we be contacting?
Liability Insurance? My husband has been offered a job but they want him to "contract" the position and carry his own insurance. The health ins. part of this is not our concern yet they also said he would need to get his own Liability Coverage and we are not sure what this intails. My husband is an underground miner, risks are high and so is ins. He would actually be a contractor overseeing the progress/safety of another contractor doing the work. Does anyone know what this company is asking of him and what the ramifications are if someone got injured or worse, killed?
Does my contractor need workman's comp insurance? I want to hire someone to paint the exterior of the house. One bidder showed me his workman's comp insurance page. Another told me that as an independent, he's not required to have it, but he does have $1,000,000 in liability insurance. His "crew" is made up of other independent contractors with similar insurance. What would my liability be if one of them were hurt? Is it even legal for him to not have workman's comp?
Indpendent Contractor Insurance/License? I just started doing some consulting work on the side. It's only for one company, and I am not going to be doing work for any others. I am aware of the tax implications on contract work. I am confused about liability insurance and business licenses. Do I need to obtain insurance/licenses for this work? I'm estimating that I'll be earning no more than $5000 annually.
Where can I find a lot of contractors (roofers, plumbers, electricians, etc.) who need insurance? I am looking for leads. I sell General Liability, Workers Comp., Bonding, Tool Coverage, etc. and I need to know where I can get some good leads.
How to get more leads? I sell Contractors Insurance - general liability, workers comp. commercial auto, tool coverage, bonding. How can I get more leads for people who need Contractors Insurance in the Western United States?
If auto insurance will pay a claim when the insured is at fault, why is it different with general liabilty? This deals with contractors and sub-contractors. If I am paying for a general liability claim why won't insurance cover damages in an accident?
Best website for contractor's insurance? Does anyone know which website is most reliable and good for a business liability insurance? It is for a construction business (general contracting like carpentry, building garages, some plumbing works and stuff...)
Will home owners insurance cover contractor's injury? An independent plumber was injured while working at someone's home. He is currently hospitalized and will take a very long time before he works again. The plumber does have an insurance policy, but it does not cover worker's comp. It only covers damage to his client's property, his vehicle and his tools. Will his client's home owners insurance cover this under personal liability?
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