CONTRACTORS INSURANCE

Property Damage

Property damage, whether caused by you or one of your employees, can create huge expenses that you may be responsible for. We offer coverage for damages to the property of another person or business as part of our commercial general liability insurance for small business. Note that covered claims are for damages to someone else’s property that you are legally liable for and not for your own property.

General liability insurance coverage is useful in situations like these:

• A building contractor accidentally knocks over an artisan glass window pane while making their way back to the truck. If the piece shatters and the client demands reimbursement plus delivery costs, it is important for the building contractor to have coverage for the claim.

When an accident occurs, it can be difficult to determine an estimated cost of another person’s property to assess the financial damage that may result. This is why it’s wise to protect yourself and your business with a general small business liability insurance policy.

Medical Expenses

If an accident occurs and someone other than you or an employee is injured, your Hiscox business general liability insurance policy may cover associated medical expenses for each injured person, up to $5,000 per person.

Bodily injury can occur on the job in many different industries including carpentry, HVAC contracting, construction, and electrical work. For example, a client could trip and fall over your ladder, resulting in a broken bone. Injuries could also occur in therapy professions that offer massages, such as when a client leans on the headrest of a massage table, causing it to snap off and him to fall to the ground. Or a Zumba instructor could place her gym bag on the ground before class, and a student trips over it and strains a muscle.

In all of these hypothetical situations, a small business could be sued for the medical expenses that result from injuries. Medical expenses can easily soar to thousands of dollars, even for injuries that appear to be minor. Protect yourself and your business with a commercial general liability insurance policy.

Bodily Injury

Advertising Injury

Our general liability insurance for business provides protection against the unintentional use of a third party’s idea if it was used as part of your advertising. We may also protect you if your advertisement or marketing materials infringe upon a third party’s copyright or trade slogan.