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Contractors - Who do you have your general liability insurance with?
Posted on 7/8/16 at 1:27 pm
Posted on 7/8/16 at 1:27 pm
I've never really needed it since I typically work by myself and do smaller jobs. But I got some jobs through a company in Ohio ad they require a 1,000,000 policy.
Just curious as to who you use and around about what it costs you.
TIA
Just curious as to who you use and around about what it costs you.
TIA
8
Posted on 7/8/16 at 1:28 pm to iwyLSUiwy
Traveler's
2,000,000 General Liability
2,000,000 Auto
15,000,000 Umbrella
2,000,000 General Liability
2,000,000 Auto
15,000,000 Umbrella
Posted on 7/8/16 at 1:29 pm to iwyLSUiwy
Mesa. Abt 200/month for 1 mil plus abt 800 more once a year
Posted on 7/8/16 at 1:35 pm to Perrydawg
I bundle with state farm for auto and homeowners but you have to had GL with some one else before you can get it with them. Pretty terrible policy
Posted on 7/8/16 at 1:35 pm to Feelthebarn
Wow that's more than I was expecting
Posted on 7/8/16 at 1:36 pm to iwyLSUiwy
curious as well
Posted on 7/8/16 at 1:44 pm to iwyLSUiwy
I don't handle the valuation of providers, but we have been with travelers for awhile. We are a mid-sized company in a couple of different fields but do work with major corporations so our limits are in line with what they want for contractors, Thank God I don't have to write the premium check every year.
Posted on 7/8/16 at 1:46 pm to iwyLSUiwy
Travelers. By far the easiest to deal with.
Posted on 7/8/16 at 2:00 pm to the4thgen
Just got off the phone with travelers and they don't offer the single policy I need.
They said I needed two policy's
From time to time ill have employees like when I'm hiring a roofing job,but for just standard repairs,flooring, showers, Patch roofs, carpentry, I just work by myself and don't want to be paying two policy's.
They said I needed two policy's
From time to time ill have employees like when I'm hiring a roofing job,but for just standard repairs,flooring, showers, Patch roofs, carpentry, I just work by myself and don't want to be paying two policy's.
Posted on 7/8/16 at 2:26 pm to iwyLSUiwy
Brunswick has my E&O and GL $2 million policy
My comp is through LUBA
My comp is through LUBA
This post was edited on 7/8/16 at 2:28 pm
Posted on 7/8/16 at 2:35 pm to Perrydawg
Travelers is horrible.
Hopefully, you never have a claim, but if you do, they are like crime.
Hopefully, you never have a claim, but if you do, they are like crime.
Posted on 7/8/16 at 2:43 pm to iwyLSUiwy
Well in all honesty I haven't ever had to work on insurance for that small of an operation. Im surprised that they would require you to have to policies though. Did they say why?
Posted on 7/8/16 at 2:46 pm to the4thgen
State Farm 2 million general liability. Costs about $900 a year. We're starting to do some bigger buildings in DC and our insurance costs will go up. Some of these buildings have ridiculous insurance requirements.
Posted on 7/8/16 at 2:49 pm to the4thgen
quote:
Im surprised that they would require you to have to policies though. Did they say why?
Ummm...in case he fricks something up.
Just because he may be doing smaller jobs doesn't mean his mistake couldn't still mess up a whole house. No company in their right mind is going to let someone fix a roof or something on a property without a GL policy in place. Imagine if the roof leaks and causes thousands in interior damage and mold remediation. That's just one concern.
ETA: To OP...if you want a GL policy that will cover roof work, you better prepare your booty hole.
This post was edited on 7/8/16 at 2:50 pm
Posted on 7/8/16 at 2:55 pm to VABuckeye
That seems awfully cheap.
You ought to have someone with insurance experience look at that.
You ought to have someone with insurance experience look at that.
Posted on 7/8/16 at 2:56 pm to VetteGuy
quote:
That seems awfully cheap.
I wonder what his classification is, though. That's makes a huge difference.
Posted on 7/8/16 at 2:59 pm to iwyLSUiwy
quote:
I've never really needed it since I typically work by myself and do smaller jobs. But I got some jobs through a company in Ohio ad they require a 1,000,000 policy.
Just curious as to who you use and around about what it costs you.
TIA
Depending on what kind of work you do this policy will vary from $750 to over $2000.
Call a broker and have them shop it around.
Posted on 7/8/16 at 3:02 pm to iwyLSUiwy
quote:
I bundle with state farm for auto and homeowners but you have to had GL with some one else before you can get it with them. Pretty terrible policy
They probably just want loss experience.
Posted on 7/8/16 at 3:03 pm to stout
quote:
if you want a GL policy that will cover roof work, you better prepare your booty hole.
This.
Also,
at why the GC would have the sub require COI.Posted on 7/8/16 at 3:03 pm to stout
I think I know a bit about what he does.
That's way lower than what we pay and all we touch are keyboards.
That's way lower than what we pay and all we touch are keyboards.
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