Clarksville General Liability Insurance
If you run a contracting business in Clarksville, TN, you need the help of the Contractor General Liability Insurance Clarksville, Tennessee. CGL insurance covers contractors for all riding accidents, slips, and falls, and physical injuries by contractor employees.
What is Contractor General Liability Insurance Clarksville, Tennessee?
Contractor General Liability Insurance is insurance that protects contractors and their employees from personal injury and property damage occurring during the course of their work. Coverage can include events such as slips and falls, car accidents, machine failure, occupational injuries, and more.
A Typical Policy Structure
Most contractor general liability policies provide liability coverage ranging from $1 million to $5 million per occurrence. The policy also typically includes property damage coverage, which ranges from $100,000 to $250,000 per occurrence. In order to maintain coverage for workers’ compensation claims, most policies also include “workmen’s compensation endorsement”.
Minimum Requirements for Contractor General Liability Policies
In order for a contractor to maintain coverage under a contractor general liability policy, the policy must meet certain minimum requirements. For example, the policy must be written on an individual basis rather than on a corporate or limited liability company (LLC) basis. Furthermore, the company must have been in business for at least 3 years and provide proof of insurance in the event of a legal proceeding.
Types of Coverage Provided by Contractor General Liability Policies
Coverage provided by contractor general liability policies can range from broad exclusionary clauses that exclude all types of claims to more specific provisions that cover accident-related expenses only. Additionally, many policies include “collision” coverage which would protect against collisions with other objects while on the job site as well as personal injuries arising
Who Is Covered by these Policies?
Contractor general liability insurance protects business owners and their employees from serious legal problems that could arise as a result of their actions as contractors. This type of insurance can provide coverage for wrongful death, bodily injury, property damage, and other types of damages caused by someone who is acting on behalf of your business.
Some important things to keep in mind when looking for contractor general liability insurance include:
-What types of businesses is the coverage designed to protect?
-What are the minimum limits of coverage?
-Who is considered an employee for purposes of this policy?
-Are subcontracted workers covered under the policy?
The Coverage It Offers: Contractor general liability insurance will typically cover businesses of any size and type. The policies may have specific limits on what types of damages they will cover, however they will generally cover any losses that occur as a result of someone acting on behalf of your business. This includes employees, directors, officers, agents, subcontractors, and anyone else involved in the performance or implementation of your contract.
How to Get a Contractor General Liability insurance Clarksville, Tennessee
If you’re in business and need contractor general liability insurance, Clarksville, TN is a great place to start. The rates here are reasonable, and the policy will protect you from financial ruin if someone sues your company for damages incurred while working on your project.
To get started, contact an insurance agent in Clarksville, Tennessee who can help you figure out what coverage is best for your business. You’ll also want to make sure that your policy includes liability limits and exclusions so that you’re not stuck with paying for damage that wasn’t actually caused by your employees.
Important Forms that Your Company Must have Enrolled with your Contractor General Liability insurance Clarksville, Tennessee
There are a few forms that your company should have enrolled in with their contractor general liability insurance carrier in order to protect themselves against potential legal claims. This includes things like having a policy that covers both personal injury and property damage, ensuring that the policy has appropriate limits in place, and having the form of coverage approved by your insurance carrier.
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