Here at InsuranceHub, we have experience helping:
- Drywall Installers: We understand the risks involved in installing sheetrock in new and existing structures. We understand the work and danger that is involved in unloading Gypsum board off of a truck and bringing it into a house. We understand what is involved in screwing and nailing drywall to metal or wooden studs and furring strips. We also know the work involved in taping and finishing your joints with joint compound and sanding them smooth with sandpaper.
- HVAC Contractors: (AKA Heating ventilation and air conditioning contractors) HVAC companies handle the repair, annual maintenance, and installation of HVAC units in residential and commercial buildings. We understand the work involved in running lines and duct work. We also understand the dangers associated with working with electric-powered equipment, soldering, and working with hazardous coolants like Freon.
- Handyman Services: The handyman is the "jack of all trades" that works on home repairs and new additions. They do electrical, plumbing, carpentry, and painting jobs and face the liabilities involved with each of these.
Types of exposure that drywallers, HVAC installers, and handymen need protection from:
Property exposures: Do you have an office or garage that you own or rent to store tools, supplies, and your work truck? Talk to your agent to protect your things from fire and theft. While working at a client's home or business, be careful when doing electrical wiring, soldering, and welding to avoid the risk of fire. Make sure that all exterior repairs are sealed properly to avoid water leaks and mold damage later on.
Be sure to lock up clients' property during the job and after completing your work.
Inland marine exposures: Do you carry your tools, equipment, and supplies back and forth to your clients' sites? Do you have materials that were delivered to the site? If you have to wait to install them, they might be subject to weather exposure, damage, or theft. Do you rent or borrow equipment that sits on-site?
Premises liability exposures: Do you have clients or delivery people that regularly go to your office or warehouse? Let your insurance agent know. Is there a possibility of damaging clients' property or breakables while working? Do you use power cords that others can trip on? Are you using ladders that can fall and damage property or hurt someone?
Completed operations liability exposures: Let's say you completed the work that you were contracted to do. Is there a possibility of improper installation that can cause cracks, leaks, stains, water damage, mold, or fire?
Environmental impairment liability exposures: What do you do with old equipment and the debris that you remove? If these include PCBs, asbestos, or lead-based paint, then you need to use proper disposal procedures to stay within the law.
Automobile liability exposures: Do you have company-owned trucks and vans? Check driving records of all new hires before you give them the keys. Make sure that employees receive training on tying and securing all equipment if you carry tools or ladders.
Workers' compensation exposures: If you work with ladders, scaffolds, and heights then you will have higher risks. Teach your employees the importance of wearing personal protection equipment like safety glasses, helmets, and dust masks to avoid risk and injury. Teach safety first. Maintain all tools and equipment to avoid accidents. Use GFCI cords for all electrical power tools to prevent electrocution.
Here is the minimum recommended contractors insurance coverage:
- Business owners policy
- Business Personal Property
- Employee Dishonesty
- Contractors' Equipment and Tool Floaters
- Goods in Transit
- Installation Floater
- General Liability
- Employee Benefits Liability
- Professional Liability
- Errors and omissions
- Commercial Umbrella Liability
- Automobile Liability and Physical Damage,
- Hired and Nonownership Auto Liability
- Workers' Compensation
Other contractors insurance coverage to consider:
- Business Income with Extra Expense
- Stop Gap Liability
- Valuable Papers and Records
- Accounts Receivable
- Special Floater
- Riggers Liability
- Environmental Impairment Liability
- Employment Practices Liability