Contractors insurance is a unique insurance policy that safeguards your workers from any occupational hazards that may cause injury and damage the property. There are a lot of considerations before the insurer will approve of your application when shopping for a contractors insurance quote St Charles. It is not only the workers that are being protected by this type of insurance but the owner of the building who will be facing litigation costs if the victims will file a case after hurting the worker and other victims of your property.
How You are Protected by Contractors Insurance Quote St Charles
Contractors liability insurance is a requirement mandated by law to protect both workers and building owners from any financial troubles in case an accident happens in the workplace. Scaffolds may trip off causing the workers to fall and hit their head that may result to brain damage or cracked bones. The property owners will be held liable and without contractors insurance quote St Charles, they will become financially broke because of the expenses incurred for medication especially for patients that relies on life support machine. Take a peek at the following coverage from contractors insurance:
- Coverage for liabilities for physical damage
- Coverage for contractual liability
- Coverage for worker liability
- Coverage for property liability damage
- Coverage for third party liability
Issues that You Need to Know for Contractors Insurance Quote St Charles
Contractors liability insurance is a requirement before you start the project. The state government requires you as the operator to submit a certificate of insurance that attests that your workers have contractors insurance before they are sent to the workplace. This is to ensure that they are insured while you as the operator are safe from possible lawsuits in the future in case your workers meet an accident while on duty. The certificate of insurance will be released on the day that you shop for contractors insurance quote St Charles.
For fast issuance of contractors certificate of insurance you may contact us for more details. Call us on (630) 947-7980 to get a free quote now.