One of the most crucial protections for any installation business is General Liability Insurance. It provides a safety net in the event of accidents at the worksite by providing coverage for third-party bodily injury, property damage and associated legal costs. Installers that work often at client locations are in more danger than those in other industries. Even a simple accident, like losing a tool or slipping on a damp floor, could lead to costly claims. General Liability Insurance protects you against those unforeseen catastrophes that might be financially disastrous.

Today many clients and project managers want proof of General Liability coverage before they would award contracts. This certificate promotes trust and proves that your organization takes safety and responsibility seriously. Without this coverage, installation companies put themselves at the risk of lawsuits that might potentially shut down their operations.

Keep in mind that General Liability is not a blanket policy. It doesn’t cover employee injuries, which are protected by Workers’ Compensation instead, and it generally won’t cover damage to your own tools and equipment. However, when combined with other regulations, it is the cornerstone of a sound risk management plan for installers.

Proper General Liability Insurance also helps with licensing requirements and contract negotiations for California contractors. More details on this coverage and how it applies locally can be found at General Liability Insurance California