General Liability Insurance for Contractors
Business insurance isn’t usually very different whether your business is small or large. It’s still about your property, vehicles, employees and liability risks. However, if your small business is a contractor’s business a type of business insurance called a business owner’s policy might be an option.
This type of business insurance can still be made up of the same basic types of insurance common to all businesses. However, variations that reflect the nature of a contractor’s day to day running are incorporated.
For instance, a contractor’s main venue for business is at the premises of his clients, so his base of operations may be a rented premises or a garage at home. So, the property policy can focus mainly on the contents if the actual building is covered by different policies – for example, the landlord’s insurance or the contractor’s home policy.
Because a contractor carries the tools of his trade from place to place, extra cover is required. That equipment and tool collection are vital to the business, so they need special cover in case they are stolen from the vehicle, or damaged in an accident.
Public liability can protect you from law suits that arise as a result client claims for losses, or damage to their property as a result of your presence.
If you’re setting up as a contractor in Texas, it is a good idea to find a comprehensive Texas general liability insurance policy. This policy is an important means of protecting yourself against risks that can result in financial disaster – and if you’re a one-person show, you probably can’t afford to ignore those risks.
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