Labor Force Insurance

Dallas contractors insurance general liability; Today normally is the day that our website gets most of its traffic, normally (not always – or every time) still normally around noon is when contractors try to start closing down for the week after all that only gives you a day and a half off. We understand the long work week because we have a very small agency where home and office sometimes seem like the same thing. And of course today being Saturday we will be a little more cautious with our time, meaning this will be a little more generic and a little bit shorter because like everyone we need to catch up with our weekly human duties i.e.  getting ready for next week and talking to and working with the working class people about their  Dallas contractors insurance general liability.

What is not covered

Now, there is no such thing as a catchall or cure all when it comes to most any kind of insurance and the general contracting world is no exception to this rule. Admittedly, there is a rumor that it might be better to know what is excluded then what is covered when it comes to general liability. Understanding this is a general rule here are a few examples:

• Care, custody control
• Injury to a third-party
• Auto claims
• Tools and Property
• Workmanship

Now, with the list above the mystery deepens. When we are talking about “care, custody and control, here is an example – if you are carrying a table and dropped the table this table is not covered because you had “care, custody and control, of the table yet if you drop the table and it goes down a stairwell the damage that the table causes will most likely be covered. Now for your particular policy you need to speak with your agent and here’s why:

Dallas Contractors Insurance

Your, policies will have a declaration page and inside of this you’re going to find things about your policies such as: Exclusions. Things that are normally excluded, normally will be things such as war and the list goes from there. Exclusions can sometimes be endorsed back to the policy, this is where things get a little more technical i.e. you start getting into policy language and things become not just more technical but interesting as well…..

As an example

There are policies that will cover some workmanship and tools that are automatically  covered without endorsement. Now the workmanship coverage is not a large amount it’s  something like $15,000 – yet remember that is $15,000 of your cost and if you have a $15,000 workmanship problem….Well I’m just going to say things could get interesting and leave it there. The next is our disclaimer concerning Dallas contractors insurance general liability.

Disclaimer

Now, please understand if you have never been here before that we/I/labor force – coverage for the blue collar worker– this website offers no guarantee or warranty of anything written here whatsoever.  I wrote this today Saturday the 11th of April and this is my opinion. Nothing more and nothing less and this is just my opinion. I will go ahead and answer the inevitable question – if I am a licensed agent in the state of Texas to sell property and casualty insurance which includes under that purvue – Dallas contractors insurance general liability – that why would I need a disclaimer. The reason is simple – I have not read your policy nor every policy out there which has its own particular policy language – things change at the speed of Internet and that’s way too fast for me to keep up. Have a blessed day and thank you for your time. For more information on our Disclaimer click here. Also we offer no warrantee nor guarantee whatsoever….ever.