Dallas what is covered?
Dallas contractors insurance general liability. 972-217-8907 Sunday we are closed, we like everyone needs to take a day of rest. Hope all is well with you and your family. As we get started I want to thank you for dropping buy today at our small cyber shop here in Dallas. Now, if you want a quote then you can call us at 8AM Monday. Today we will not go into anything real serious or great detail today. Now, lets speak in general about this thing called Dallas contractors insurance general liability.
A Quote
A quote is where you start yet, it’s not always what it may seem and here is what may happen. First of all the quote may not be binding this quote may be a lot closer to indication than QUOTE. The reasoning behind the word indication is because the underwriting questions may have not been gone over thoroughly. Also, an indication can be real close to the actual premium because the questions that are forthcoming can be such as….
- How long in business
- Losses?
- Prior Coverage
- Experience
- Labor Cost
- Subcontractors
- Exposures
Now, you may have never had a loss and you may have been in business for a long time under the same name i.e. business name. With all that said let’s think about other factors that can make a difference in your premium. Starting with the most glaring can be ROOFING. Do you have a roofing exposure? In other words do your do roofing as an example? Roofing in most cases is not included on the general liability policy. Now, this may not be the case and this is something that you really want to know if you have a roofing exposure.
Codes
The following is can be a little hard to comprehend because in the real world we as a people don’t know because maybe no one has ever taken the time to explain how this may work you your general liability. As an example if you have great policy and your are an exterior painter and hire a subcontractor to do some foundation work and there is a claim then what happens. There are actually a few questions here. One: Is foundation work covered at all on your general liability? Two: Are subcontractors covered on your Dallas contractor’s insurance general liabilityy at all? Three: Will it make a difference if the subcontractor is insured? These are can be very important questions that you might want to know the answers to before you have a claim.
Quotes again
Now, here we go. If need a QUOTE CLICK HERE and you may want to go over some things that are listed above and have the agent take his time and making sure that you have a good understanding of what is covered and what is not. Think Foundations, Roofing etc.
Disclaimer
This was written by me and this is my personal opinion and nothing more. If you have a question on your policy then ask you agent because policy language can be very different between policies.
This website/I/this blog offer no warrantee nor guarantee at all EVER. This is for entertainment and general information only. Ask your agent. If you want more on our disclaimer click here.