Medical Payments
With excavation contractor liability insurance, your insurance helps cover medical fees, including hospital days, physical therapy, prescriptions, and even lost wages if they can't work. Suppose, someone is hurt at your office or on the job site, they may need thousands of dollars worth of medical care. Unfortunately, you could end up being responsible for covering those fees. If you don't have general liability insurance, you may have to pay out-of-pocket, which could harm your business financially.
Personal and Advertising Injury
Having liability coverage will help pay for your attorney bills and any legal fees from lawsuits brought against your business for slander, libel, or copyright infringement by third parties. It can also help cover if you end up harming another business' reputation, intentionally or not, through your advertising, you may be liable for damages.
Damage To Premises Rented To You
If you rent space for your business from a landlord, general liability insurance will help cover damages to these rented spaces. So while there may be more risk on job sites, you'll want coverage for your office too. For example, imagine an employee accident hits a wall or garage door with a piece of equipment, damaging it. You could be liable for paying for the damage. Likewise,