If you are an electrical contractor, and you are wondering what your insurance needs may be, it is time to call in a professional. You must understand what is covered by your general liability insurance policy and what is not is. Trying to decipher your policy, when a problem has arisen, is clearly not good timing. An insurance agent like Jeff Van Matre will take the time at the beginning of the insurance process to carefully explain what your policy will cover.
Some of the questions and answers below might assist you if you are looking for a general liability policy as an electrical contractor.
Q: What is normally covered in a general liability policy for an electrical contractor?
A: Usually the following areas are covered:
- Bodily injury
- Completed operations and products liability
- Personal injury
- Advertising misrepresentations
- Medical expenses of injured third parties
Q: Who is normally covered in a bodily injury claim?
A: Any person who is injured at either your place of business or your job site by you or one of your employees.
Q: What does coverage for completed operations and products liability mean?
A: Once you have completed your work, if there were resulting damage from an event – such as a fire – the property damage would be covered. If you installed a part that later turned out to be defective, the policy would cover your exposure for any damage that the faulty part may have caused.
Q: What are personal injury claims?
A: These are claims arising from slander, copyright infringement, invasion of privacy, or libel of a person or a third party.
Q: What are advertising injuries?
A: These are injuries that harm a competitor such as an ad that is later proven to be false.
About Jeff Van Matre Insurance Agency:
If you want to make sure you have the right General liability coverage as an electrical contractor, call The Jeff Van Matre Insurance Agency at 972-492-8500, which offers customized insurance policies that feature a variety of coverage options. Contact us today to discuss a policy or receive a quote. Located in Carrollton TX, we proudly serve individuals and businesses in Carrollton, Lewisville, Dallas, Irving, Plano, and surrounding communities.