Labor Force Insurance

Dallas Contractors Insurance General Liability 972-217-8907    , Hello and hope you had a wonderful weekend and 4th of July here in north Texas and of Course Dallas/Fort Worth. The heat is well….. hot and yet not ever a hundred, so for some reason I think that alone is enough reason to want to celebrate, If you need a quote will be on our phone til 6PM tonight and will be here all week starting at 8AM, just call and we will see how/if we can help. Now in the world of insurance we are going to go over some things that seem to just reoccurring over and over again. Dallas contractor’s insurance, general liability here we go.

Is the subcontractor misunderstood

The Subcontractor may not be an employee, however this same person may be teethed to you better than you think. Well maybe, let’s start with if the subcontractors covered on your policy? As an example the Subcontractor may be a ….

• Roofer
• Foundation Contractor
• Plumber
• Management consultant
• Excavation

Regardless of that your subcontractor does you might want to check a few things with your current agent and see what is and is not covered. Maybe roofing is excluded in or plumbing is excluded. So, what happens if there is a claim, what happens next? Well we will be going over that this week.

Codes

Well codes are not that difficult to understand i.e. a code is for the type of work that your company does. As an example there be a code for interior paint and a different code for exterior paint and yes that may have a difference in cost. In other words one may cost more than another. It may be that you could hear this sentence in an insurance office.

This type of risk

This type of risk is maybe referring to the kind of work that you do meaning that the risk maybe concrete or roofing. So, the kind of risk might have a lot to do with the pricing. Or, there are some companies that just might not be comfortable with the risk and decline to ever give a quote.

Exclusions

Now, you may have a type of work that is covered by the policy that you currently have and not the type of risk that you have hired a subcontractor to do….Think Roofing. You hired a company to reroof a home and you are doing the interior paint and YOUR company has Dallas Contractors insurance general liability.

NOoooooooo

No, say it ain’t so but you might want to aware that your subcontractors can possibility cause your company a lot of pain, if there were to be a claim. And it just gets better..

Endorsements

That is where you could be getting into an interesting Scenario and we will be going over a subcontractor that has insurance and your company has an exclusion on this same risk.

Disclaimer

I wrote this myself and this is my opinion and nothing else. I/this blog/website offers no warrantee nor guarantee whatsoever. This is for entertainment use only. If you wish more information on this disclaimer go here.

There is more

Our phones are answered 10 Hours a day and we answer our phones on Saturday, from 8AM til Noon. There is always going to be a new question and the reality behind the NEW question can be from an experience that “Went Bad” once upon time. And maybe if you had a better agent than things may have been better for you and your company. Well, maybe not and please not so fast. In Dallas contractors insurance general liability this can change at the speed of the internet. That is to say that policies and their language can change fast. Now, that is not to say that a policy can change during your calendar year and there is no way for us an agency to know ever policy there in Texas. So, we do say get a good agent to help.

Money, it’s more than money

Yea, it about protections and this falls into different categories for your coverage. One school of thought is that something is a lot better than nothing. Here is one example: let’s say that you are a handy man and you don’t hire subcontractors, you basically work alone. You do odd jobs for people have small contracting needs here is the city of Dallas. And for the sake of argument you have never had a claim and don’t ever think you will. Well, could be right and right all the way, yet that is not the question. I don’t ever question someone ability to see into the future, what I question is this. Could you or maybe would you feel comfortable paying a $ 80,000 (Eighty thousand dollar) claim? Just throwing that out there as “they” say.
Maybe you will consider Dallas contractors insurance one day, well may be if you do we would like to talk to you and your company in person.

Claims

There is may be a difference between independent agents and captured agents when it comes to a claim and then there may be little difference if any. If you get all goes well then you will see no difference in the claim. Now, because we are talking about contractors the field may narrow a bit when it comes to who can offer you coverage and who will not or chooses not to except that kind of risk. A company such as progressive may not offer Dallas contractor’s insurance general liability yet, they have things such as Commercial auto for the independent contractor. Now here let’s start to talk about claims.

Dallas we are here

We life in the Dallas/Fort Worth Metroplex for decades, we try and write something every day that may or who know may not be of help the contractor(s) at large here in DFW – North Texas area. We are here for the TEXAS contractor and work (well by the web and by phone, email etc.) to help where we can. Now we are not always the agency that is chosen, yet we enjoy everyone’s conversation and like helping the one’s that we can. Yes, after all these years we still like to help. That is who we are and whom we will always be as long as this guy has anything to do with it. So, call us if you need a quote and we will be posting all the second half of the year working will different kinds of contractors and looking forward to speaking you one day. Til then God Bless and have a blessed day.

Things remain the same

You know maybe I am just old fashioned, yet a friend of mine said the other day that he had sold a policy to a company here in Dallas that took a small limit. A small limit, now let’s look at this small limit. This limit is a hundred thousand dollars, that is the SMALL limit. So, this undersized limit is what we are talking about is $ 100,000.00 You know barley worth talking about. Maybe should put this in perspective, would you call a car that cost that much cheep? Is that what you normally have in your checking account? No. Well me either. Dallas Contractors insurance and small limits let’s keep talking.

Well now then this….

You may have been born with knowledge, I for one was not born with it and have always been the guy that had to stay up late trying to obtain it. (some would call that studying) This was my life and will always will be. The good news is that I don’t think that I am alone or anywhere close to it. This is my way of saying that you might, just might want to have a good agent. That person may have some information that you will need over the course of your professional commercial contracting carrier. Just a thought.