Liability, Inland Marine, Worker's Compensation for Excavators
Specialty Trade Contractors
If you have any questions, please call 770-493-4203 or please use the memo portion of the form.
Commercial General Liability
Also known as CGL insurance. will cover the costs of your legal defense and will pay on your behalf all damages if you are found liable up to the limits of your policy. CGL coverage is one of the most important insurance products, due to the negative impact that a lawsuit can have on a business and because such liability suits happen very frequently.
We offer this for sub contractors such as heating & ac contractors, and the construction industry as a whole.
Business Property Insurance is coverage that can protect your company’s physical assets from unexpected events, including fires, windstorms, theft and vandalism. Physical assets covered by commercial property coverage could include the business property you own or rent, office equipment, furniture, fixtures, inventory and other items you count on to support your daily operations.
If you lease your space this will cover the assets you own; Computers, Valuable Papers, Furniture, Business Income and Extra Expense, commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property.
Inland Marine covers scheduled equipment such has bulldozers, excavators, skidders,
front loaders, large generators, and other specialty equipment. In the event they are stolen, vandalized, damaged by windstorm or flood. There is coverage for non-scheduled equipment such as large boxes of tools, and supplies, In the event they are stolen, vandalized, damaged by windstorm or flood.
Depending on the types, use, and the number of vehicles, this can be be largest portion of all of your insurance expenses. If you're a service company going to multiple sights throughout a typical workday, then this can get very expensive. What's covered.
Commercial Auto Liability covers bodily injury and property damages to a third party in the event you or your worker(s) is deemed to be at fault for a crash. Coverage can also include:
Loss of income
Pain and suffering
The property damage portion will cover:
Replacing or repairing vehicles or auto parts
Replacing or repairing damage to buildings, mailboxes, fences, etc.
Loss of income if the damage you cause interrupts a business
Uninsured/Underinsured Motorist helps pay for you or your employees’ medical expenses or to fix your car if the other driver lacks enough liability coverage.
Comprehensive Coverage covers your company vehicles that are scheduled on the policy and covers damages when the car is not in motion. Such as; damages caused by theft, fire or natural disasters.
Minus a deductible
Collision Coverage covers your company vehicles that are scheduled on the policy and covers damages
related to when the cars is moving and will pay to fix or replace your business car if you hit something, like another car or pole. Minus a deductible.
We have this question put to us all the time. "are we by law required to carry worker's compensation?" If your company has three or more workers, including regular part-time workers the answer is yes. This includes 1099 workers, if a 1099 worker carries their own worker's compensation policy, make sure you receive a certificate of insurance from that worker stating that coverage is in effect, and show it to the auditor at audit time. If a 1099 worker is injured, while under your direction then your worker's compensation will pay for injuries, rehabilitation and lost wages just as if they were an employee..
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