construction liability insurance

Construction projects involve rigorous planning and laborious work before they are completed. They present endless challenges and often, endless possibilities for injury or destruction of an existing property. With this said, construction liability insurance is a worthwhile investment for any construction company that would like to do business for the long-term. There are many types of construction insurance, and these organizations can choose policies based on individual needs.

Choosing Commercial Auto Coverage

Construction organizations use many different vehicles when transporting equipment and anything else that is needed to complete a project. Commercial auto coverage allows a construction business to rest easy if any of these vehicles are damaged while actively working on a project. The option to add physical damage coverage to the policy is also available through various providers.

General Liability Coverage

Construction liability insurance generally entails necessary forms of coverage. If any property is damaged while working on a project, general liability coverage will cover the costs or at least mitigate most of the liability. The same holds for any injuries to workers or work that becomes defective over time. In terms of injuries, construction organizations usually have separate workers compensation policies for these instances. As for defective work, filing a claim for these circumstances may require more effort because it is difficult to determine why something goes wrong with almost any construction project.