Contractors Insurance

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Having insurance on your business affords peace of mind that it’s safe from any unfortunate events, natural and man-made alike. This is why we take great importance to know the risks of your business and provide you with right coverage.

General Liability covers certain lawsuits against the contractor alleging that the contractor´s negligence has resulted in "bodily injury", "property damage" and "personal / advertising injury" to someone else.

Lawsuits Commonly Covered

• Child wanders onto construction site and is injured while playing
• Worker is digging a ditch and severs a utility line
• Faulty plumbing results in water damage 1 year after completion
• Faulty electrical wiring causes the house to burn down 5 years after completion
• Your Subcontractor installs faulty gas lines that cause the house to burn down

Exclusions

Contractors´ General Liability has been increasingly difficult to obtain in recent years due to the construction defect litigation crisis. The insurance industry has begun to restrict coverage by placing many exclusions in the policy forms. We make sure you are aware of these and explain to you how they may result in no coverage for many types of lawsuits.

You must understand the coverage implications of these exclusions if they are found on your General Liability policy.

• EIFS
• Mold
• Lead
• Action
• Products & Completed Operations
• Prior Completed Work
• Damage To Work Performed By Subcontractors On Your Behalf
• Subsidence
• Contractual Liability Limitation
• Independent Contractor Exclusion
• Roofing Operations Exclusions
• Sunset Clause, etc

Driscoll & Associates represent over 30 insurance companies who insure contractors in California. We have a program for the very small to very large contractor . We can offer you general liability, workers compensation, business auto, tools & equipment coverage and more.