Labor Force Insurance

Dallas contractors general liability insurance; Ok, there are 50 something Friday’s in a year, yet most people will agree there is something special about Friday afternoons and Sundays in general. Whatever that special is I’m glad to be part of it today March 20, 2015. And before we jump into today’s post we as a group would like to thank you for coming by our website today, we may not be the first or the last but we hope that we leave an impression and get to speak to you somewhere in the process of you looking for the right fit (agency) for your company to work with. Dallas contractors general liability insurance is something that will be carried by most contractors in North Texas.

Ok, maybe half

Working with an agent last night on placing some larger accounts with their agency (we do smaller accounts – 20,000 to 3,000,000 in sales) and we were discussing how many contractors carried general liability in Texas for the small contractor in we came up with the number of around 75%. It is true that not every contractor is going to carry general liability. This does not mean that “they” – are not expose it does represent something like – driving without insurance. More than likely nothing is going to happen, however it’s going to be difficult if there is a claim.

Claims are maybe not what you think

A claim may not even be based in reality of what actually happened. In other words it’s not impossible that you were not negligent and yet somehow you have been named in a lawsuit. Here is the kicker that we will say out of a possible 300+ post on our website we will say 150 times. When/if you hire a subcontractor and there is a claim it is most likely that (put the name of your company here) will be named in a lawsuit. Now, there is no guarantee that will happen and there’s no guarantee that it will not happen therein, is the reason you buy insurance.  Hey! We have a sister site:  Laborforcerfw.com

Well, I was not there

Now, not to overstate your liability (or at least not trying to beat a dead horse here) let’s make up a make-believe story not based in truth however here is how this works out: you could have a sub-Contractor that had a claim: this is a subcontractor that you hired for your job here in Dallas. Let’s say that somehow the homeowners insurance code involved in paid claim. To make things simple let’s ask are really easy question – you hired a subcontractor that:

• Did electrical work
• Finish Work
• Flooring
• Does Paint
• Does Clean up
  There are more duties out there, a lot of reason that you may hire a subcontractor but in our scenario this contractor (whatever) – they do there is a claim and were going to put the number at $80,000. So again let’s say that the claim has been paid by the homeowners insurance. Let’s also interject this is a general liability claim there is no bodily injury to the subcontractor themselves.

So, now what

Well: instead of going through a long list of things that happen in other words a step-by-step were going to ask you a generic and very simple question? Do you as a business person honestly believe that this insurance company is going to pay this claim and just forget about it? Or, do you think that there will be an investigation people will be interviewed in questions will need to be answered such as – who were you working for Mr. subcontractor. So, do you think there is a possibility that “they” – (enter the name of the insurance company that paid the claim here) will not want to talk to you? Dallas contractors general liability insurance, sounds real good right about now.

Disclaimer

It’s 439 in the morning and I am glad to be up at work and hope to speak to you sometime today. I wrote this and this is my opinion and my opinion only. This is not supposed to be used as legal advice because this website never dispenses any and doesn’t pretend to know your policy language whatsoever. The information contained throughout this website is for information and entertainment purposes only. Labor force insurance this website in general and everything we do here offers no guarantee or warranty whatsoever for this blog are anything on this website. Have a blessed day in if you want to talk about Dallas contractors insurance please give us a call. For more information on our disclaimer click here.