Why do you need general liability insurance?
Our general liability insurance coverage also called commercial general liability insurance, protects your business from third party claims for bodily injury, associated medical costs and damage to someone’s property.
You should consider this coverage if you or your employees:
- visit a client’s place of work, or clients visit yours.
- conduct business at a residence, such as home remodeling
- have access to a client’s equipment, for example a computer server
- write or speak about a client’s business.
- use third-party locations for any business related activities.
- are required to have general liability insurance before entering into a contract.
For example, while visiting a client’s premises, the client trips over your briefcase and gets injured – your business may be liable. Whether or not it is your fault, our general liability coverage can protect your business against covered claims by paying defense costs and any damages up to your policy limit.
Here are some of the Artisan/Subcontractor lists of classes that we are able to most easily obtain general liability coverage for:
| Air conditioning systems or Equipment – dealers or distributors and installation, servicing or repair |
| Alarm & Alarm System Installation, Service, Or Repair |
| Appliances and accessories – installation, servicing or repair household |
| Appliances and accessories- installation, servicing or repair – Commercial |
| Cable or Subscription Television Companies |
| Carpentry – Construction of residential property not exceeding three stories in height |
| Carpentry – Interior |
| Carpentry – NOC |
| Carpentry – Shop only |
| Carpet, rug, furniture or upholstery cleaning – on customers’ premises |
| Ceiling or wall installation – metal |
| Chimney cleaning (incl. completed ops) |
| Concrete Construction |
| Conduit Construction for Cables or Wires |
| Debris Removal – construction site |
| Door, Window or Assembled Millwork – installation – metal |
| Driveway, parking area or sidewalk-paving or repaving |
| Drywall or wallboard installation |
| Electrical Apparatus |
| Electrical work – within buildings |
| Excavation |
| Fence erection contractors |
| Fire Extinguishers – servicing, refilling or testing |
| Floor covering installation – not ceramic tile or stone |
| Furniture or Fixtures – installation in offices or stores -portable – metal or wood |
| Glass Dealers or Glaziers |
| Grading of land |
| Greenhouse Erection |
| Guniting or Shotcrete |
| Handyperson |
| Heating or Combined Heating and A/C Systems or Equipment – dealers or distributors and installation, servicing or r |
| Heating or combined heating & A/C systems – Not excl LPG |
| House furnishings installation NOC |
| Insulation Work – mineral |
| Insulation Work – organic or plastic in solid state |
| Insulation Work – plastic |
| Interior decorators |
| Irrigation System Installation |
| Janitorial services |
| Landscape gardening |
| Lawn care services |
| Masonry |
| Metal Work-decorative or artistic |
| Metal erection nonstructural NOC |
| Office Machines or Appliances – installation, inspection, adjustment or repair |
| Painting – interior – buildings or structures |
| Painting – shop only |
| Painting EXTR Build 3 Stories or less |
| Paperhanging |
| Plastering or stucco work |
| Plumbing – commercial and industrial |
| Plumbing – residential or domestic |
| Prefabricated Building Erection |
| Refrigeration systems or equip Servicing – Commercial |
| Septic Tank Systems – Cleaning |
| Septic Tank Systems – installation, servicing or repair |
| Sewer Cleaning |
| Sheet Metal Work – outside |
| Siding installation |
| Sign Painting or Lettering – inside of buildings |
| Sign Painting or Lettering – on buildings or structures |
| Sign erection, installation or repair |
| Solar energy contractors |
| Street cleaning |
| Surveyors – not engaged in actual construction |
| Swimming Pool Servicing |
| Television or Radio Receiving Set installation or repair |
| Television, Telegraph or Cable television line construction |
| Tile, stone, marble, mosaic or terrazzo work-interior construction |
| Tree pruning, dusting, spraying, repairing, trimming or fumigating |
| Upholstering |
| Upholstering shop only |
| Water Softening Equipment – installation, servicing or repair |
| Waterproofing – by pressure apparatus |
| Window cleaning
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