Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
General Liability insurance covers expenses arising from "general" claims such as personal injuries, bodily injuries, property damage, libel, slander, advertising mistakes, and other related claims. The insurance will pay for the defense and court fees including out-of-court settlements.
Surety bonds provide a legal guarantee that the surety will pay the obligee money to get the job done. If the work doesn't get completed, then the surety will pay the obligee money to not just get the job done, but also to cover for any damages or penalties that may have incurred.
Workers Compensation will cover the cost of medical and rehabilitation expenses to employees who get sick or injured due to job-related causes. The insurance will also pay for the employee's lost wages and even death benefits should the employee die as a result of the illness or the accident.
Companies categorized under this industry work mainly in site preparation activities such as grading and excavation, the demolition of buildings, septic system installation, and earth moving and land clearing. Other service includes the rental of construction equipment with an operator.
Site preparation contractors need insurance as it helps cover for the risks that your business could face, particularly lawsuits. The insurance will cover the defense and court fees that would otherwise be disastrous to your business.
Below are some common risks site preparation contractors can face:
A customer slips in a puddle of water that you are about to clean in your office. This causes your client to sue your business for a slip and fall claim.
One of your employees fails to perform the contracted work and your client sues your business for the damages.
There is no fixed cost of insurance for site preparation contractors as the cost of insurance varies according to the size of your business, the number of employees you have, and the coverage needed. Without taking these into account, below are the average costs of insurance for your business:
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