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Contractors Liability Coverage is one thing that every contractor company needs. It protects your company when an accident occurs and you are facing a lawsuit.


What is Liability Coverage for?

This coverage is there to assist when someone claims you or an employee are to blame for their injury and/or property damage. Accidents are common in construction.  As a responsible contractor you will do everything possible to make your site safe.  Accidents will still happen. Contractors liability coverage assists you with the following claims:

  • Bodily injury- a claim that the actions of your company resulted in bodily injury to another person
  • Property damage – a claim that the property of a third party was damaged due to your actions
  • Reputation damage – a claim that you have caused damage to the reputation of another through libel or slander
  • Advertising damage – a claim that your advertising caused financial loss to someone else



How does Liability Coverage assist?

A lawsuit is very expensive. If you have to bear all the costs of a lawsuit, it can be devastating to your company.  Liability coverage is there to assist.  It helps pay the costs of your legal defense, namely your legal team and other costs like witness fees.  It also assists with the settlement costs.



Contractor Liability Coverage is Mandatory

As a contractor you are required to have this coverage.  This is not a bad thing, however.  It is there to protect you and your assets if something goes wrong.  It is in no one’s interest for your company to close because of the high costs of a lawsuit. You lose, your employees lose, the injured party loses, and so does your client.



Whatever the size of your business, you need this coverage

Some small contractor businesses are under the mistaken perception that they can operate without this insurance.  They assume that because they only undertake small projects, they do not really need this. This is unfortunately not true.  Regardless of how small the project is, if something goes wrong the costs can be very high.


Having this coverage can be an advantage

Many clients want to see proof of your coverage before they will appoint you.  They want the assurance that their property is protected when you undertake the job.  It also tells them that if something goes wrong you will have the means to address it.  This protects the client from future costs. It also means you will be able to complete the project and a new contractor will not be needed.  If you have up to date coverage a client is more likely to appoint you than a competitor that does not.

Good news about Contractors Liability Coverage

John Brown President Farmer Brown Insurance (888) 973 0016

John Brown – President

It is not difficult to get this coverage for your business.  Farmer Brown Insurance can assist.  We are experts in this form of insurance.  Our agents will make sure you get the right coverage for your business.  We will also get you the best rates.  Call Farmer Brown Insurance on (888) 973-0016 and set your company up for success.

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