Framing Contractor Liability Insurance
Are you the one who frames the houses that Americans live in? Sets the two by fours and understands LVLs, OSBs and I-joists? Knows that a two by four is really more of a 1 ½ by 3 ½? If so, you make homes stand tall and endure.
But it’s a risky business. Measurement mistakes can be made, a visitor can slip and fall and you even get sued after a job has been completed for faulty installation. You mitigate those risks with good, sound framing contractor insurance written with your profession in mind by a reputable insurance company.
Liability Insurance Will Cover These Expenses
Your business GL (General Liability) policy is the cornerstone of your insurance program. The policy will typically pay out on the following:
- Bodily injury To A Third Party
- Property damage
- Advertising injury
- Attorney’s fees, witness expenses, court costs, the cost of obtaining a police report and other documents and virtually any other reasonable expenses related to your defense
- Lawsuit settlements or judgments if the defense of your case proves unsuccessful
- Copyright infringement
- Reputational harm
Who Is Covered?
Just about anyone performing duties for your business is covered. This means you, your employees, partners, directors, executives and even stockholders and spouses if they are sued for something they did while carrying out business activities for you in an official capacity. Your employees are also covered.
Bodily Injury: If someone is injured while on your premises this portion of the liability policy will cover costs related to medical care, court-mandated compensation and loss of services caused by the injury.
Property Damage: If the property of another is damaged by something your business did (or failed to do) and is made useless for any period of time, property damage liability covers it all..
Products and Completed Ops: If your framing material is found to be defective after the fact, or the framing job turns out to be sub-par and causes damages, your GL policy will pay out on any related claims.
Medical Payments: Subject to lower limits, medical payments are paid out on minor injuries that are not feasible to turn into a full blown liability suit.
Personal and Advertising Injury: If libel, slandering a competitor or infringing on another firm’s slogan is claimed against your business advertising this will cover any claims arising from these and other related actions.
Damage to Premises Rented to You: When you rent or lease building space, any damage you cause is covered by this policy clause.
Buy Framing Contractor Liability Insurance
Contact the professionals at USA Insurance for comprehensive, specific, framer liability insurance.