California Contractor Insurance

Having the proper coverage for your construction company is one of the most important aspects of starting a new business. In order for your company to be viable and stand the test of time you need to ensure that there is proper coverage in place.  Work with a trusted company such as californiacontractorsinsurance.org, they specialize in working with general and artisan contractors throughout the state of California.

It is inevitable that you will have a work related liability issue if you’ve been in business for a number of years. The question remains as to will you have the proper policy in place to cover that claim?

General liability insurance covers 3rd party bodily injury and property damage. Most carries offer limits of $2,000,000 Aggregate with a $1,000,000 per occurrence limit.

The most common deductible for general liability is $1,000, but can increase to $10,000 depending on the carrier who is offering the quote. The increase in deductible also give the policy holder a discount on the premium because in the event of a claim the policy holder will be responsible for paying a larger amount.

Another important aspect to consider is the ability of your insurance company to offer timely insurance certificates and additional insureds. As you know, when you need to get on a job site or collect your check the last thing you want to delay payment is an untimely insurance certificate.

Thank you for taking the time to learn more about the importance of proper liability coverage. Contact us directly if we can help with any additional questions!