Tacoma General Liability Insurance

In the construction industry, there are inherent risks that can lead to significant costs. Contractor General Liability Insurance Tacoma, WA is designed for contractors by providing them with key risk protection coverage for their projects.

Why do I need contractor general liability insurance in Tacoma

As a contractor in Tacoma, you likely face a variety of risks on a daily basis. from accidents that occur while you’re working to damage that occurs to a property you’re working on, there are many potential liabilities that you could be held responsible for. Contractor general liability insurance can help protect you financially in the event that you’re sued or held liable for damages caused by your business.

General liability insurance can help cover the costs of legal defense and any damages that may be awarded in a lawsuit, up to the policy limits. This type of coverage is vital for any business, but especially important for contractors who often work with their hands and are at risk for accidents. If you don’t have contractor general liability insurance and you’re sued, you could be responsible for paying all the legal fees and damages out of your own pocket – which could quickly ruin your business financially.

Don’t take chances when it comes to your business – make sure you’re properly protected with contractor general liability insurance.

What is contractor general liability insurance Tacoma?

As a business owner, you are responsible for the safety of your employees, customers, and contractors. One way to protect your business is with contractor general liability insurance. This type of insurance covers your business in the event that a contractor causes property damage or injuries while working on your behalf.

Contractor general liability insurance is important because it can help cover the costs of medical bills, legal fees, and property damage if someone is injured on your property or if there is damage caused by the contractor while they are working. It is important to have this type of insurance because it can help protect your business from costly lawsuits.

If you have any questions about contractor general liability insurance or if you would like to get a quote, please contact us today. We would be happy to help you find the coverage that you need to protect your business.

Types of liability coverage available to contractors

As a contractor, you are likely to be sued for any number of claims arising out of your work. To protect yourself financially, you need to carry adequate general liability insurance. Tacoma General liability insurance covers claims for bodily injury, property damage, personal injury, and advertising injury caused by your business operations.

There are three types of coverage available under a contractor general liability policy:

Bodily Injury Liability Coverage: This coverage protects you against claims for bodily injury or death caused by your negligence. It includes medical expenses, loss of earnings, and pain and suffering damages.

Property Damage Liability Coverage: This coverage protects you against claims for property damage caused by your negligence. It includes the cost of repairing or replacing damaged property, as well as any resulting loss of use.

Personal and Advertising Injury Liability Coverage: This coverage protects you against claims for personal injury or advertising injury caused by your business operations. Personal injury includes libel, slander, defamation, and privacy invasion. Advertising injuries include false advertising and trademark infringement.

Standard policy provisions for contractor general liability Tacoma

Most standard liability policies for contractors will have certain provisions in place in order to protect the contractor from potential liability. Some of these provisions may include:

– bodily injury and property damage coverage
– personal and advertising injury coverage
– products and completed operations coverage
– medical payments coverage
– excess or umbrella liability coverage

It is important that contractors understand what each of these coverages means in order to make sure they are adequately protected. For example, bodily injury and property damage coverage protects the contractor from any legal liability that may arise from injuries or damages that occur as a result of the contractor’s work. Similarly, personal and advertising injury coverage protects the contractor from any legal liability that may arise from defamation, false imprisonment, etc.

Products and completed operations coverage are important for contractors because it protects them from any legal liability that may arise after the completion of a project. For example, if a customer were to sue a contractor for faulty workmanship, this type of coverage would provide protection. Medical payment coverage can be beneficial for contractors because it covers minor injuries that occur on the job site, regardless of who is at fault. Finally, excess or umbrella liability provides additional protection for the contractor beyond what is offered by standard policies. This type of coverage is typically used when there is a high amount of risk involved with a project.

When am I not covered by general liability insurance?

If you are working as a subcontractor for another contractor, you are not covered by their general liability insurance. You must have your own policy in place in order to be protected. Additionally, if you are working on a project that is not covered by the general contractor’s policy, you will not be protected by their insurance. Make sure to check with the general contractor and get clarification on what projects are and are not covered before beginning work.

Coverage provided in the event of damages

If you are found liable for damages, your contractor general liability insurance policy will provide coverage. This includes damages that occur to third parties as a result of your work. It can also include certain legal fees and expenses associated with defending yourself against a lawsuit.

Get A Quote – Contractor Insurance Tacoma Washington

No matter what business you’re in, if you’re working with the public, you need to have contractor general liability insurance. This type of insurance protects you from lawsuits that may arise from your work, whether it’s an injury on the job site or damage to someone’s property. If you’re looking for a reliable and affordable insurance provider in Tacoma, we highly recommend Pascal Burke, Give him a call today to get started on a policy that’s right for you.