General Contractor looking for General Liability Insurance for another state?
Question:
Answer:
Your OWN general liability policy most likely will cover you! I've seen HUNDREDS of these, and some of the rating is based on "radius of operations", but that's mostly the auto part. The standard liability policy in the US has a territory of "The United States, it's territories and posessions".
If your business is "structural repairs", there will no doubt be more questions - like is it below ground, or above ground? And is residential limited to single family homes, under four units, or above four units?.
You need a new agent - a local, independent agent who can farm this out to a couple wholesalers to get a taker. If you haven't had GL coverage before, then you'll likely end up in the surplus market - ESPECIALLY if you'll be subbing out more than 25% of the work (because actually that makes you a GENERAL CONTRACTOR). But there are quite a few carriers that do your line of business. It's just not going to be a $500 policy, ya know?
You need to speak to an independent insurance agent to obtain quotes. I work for Ohio Casualty Insurance and we write GL for contractors. Go to www.ocas.com and click on Find an agent for help. Good luck.
Nationwide Construction Insurance &
Contractor Insurance Services
The CONSTRUCTION INSURANCE SERVICES offered by MyHomeStateInsurance.com and it's partners is a mix of traditional and alternative solutions for every type of contractor insurance project.
Our CONSTRUCTION INSURANCE CUSTOMERS are builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, owners or public and private construction projects.
We offer CONTRACTOR POLICIES for every type of project:
* property
* builders risk insurance and course of construction
* liability insurance
* general liability insurance
* contractor insurance
* commercial auto
* umbrella
* workers compensation
* railroad protective
* equipment insurance
* contractor bonds
* Specialty products are available for large accounts.
The MyHomeStateInsurance.com Team
Contractor Insurance Experts
MyHomeStateInsurance.com specializes in finding insurance companies nationwide that can provide the needs of owners, developers, contractors, engineers and builders. Our team of CONSTRUCTION INSURANCE PROFESSIONALS gives you an edge in the competitive construction market in your state.
Contractors Insurance
MyHomeStateInsurance.com and it's partners draw on industry knowledge and innovation to address the evolving insurance and risk management needs of small, mid-sized and large contractors.
Our CONSTRUCTION INSURANCE programs range from traditional off the shelf solutions to one-of-a-kind, custom, Contractor Insurance policies.
All of our construction insurance solutions aim to reduce a overall cost of risk while enhancing his profitability and competitive edge.
General Liability Insurance
MyHomeStateInsurance.com, in conjunction with A rated insurance carriers, has developed in-house General Liability Insurance products to meet every contractor need.
Workers Compensation
MyHomeStateInsurance.com offers a truly different Workers Compensation Insurance solution for large contractors. Our exclusive Workers Compensation Self Insurance plan has saved contractors up to 66% on their Work Comp Insurance costs.
Builders Risk Insurance,
Course of Construction
MyHomeStateInsurance.com and it's partners offer builders risk construction policies for materials, supplies, machinery, equipment, fixtures designed to be a permanent part of the fabrication, erection, installation, alteration or completion of a commercial or residential project while at the project site and in transit or temporary location work.
For more information on contractor insurance, general liability insurance, workers compensation, liability insurance, builders risk / course of construction or construction insurance, please contact us today!
If you are having any problems with our website please report them HERE or call (877) 587-4999
For a simple GL policy, you can often go to your auto/home carrier, but in this case I would look to someone that specializes in commercial insurance. Try the business insurance directory - http://www.insuremywork.com
If you already have GL coverage it covers anywhere in th USA unless it has a State limitation , which is rare. If you do work in another State that was not foreseen when you took the policy out, it is automatically covered. However when they audit the policy at the end of the year they will charge for the work in the States you are working. You realy need to work with an indendent agent in your area where you do the most work. Stay away from internet sales and not meetingg the agent in person unless you know what you are doing from a risk manangemnt standpoint.
Use a search engine, like Yahoo, to find commercial insurance agencies in a larger city near where you intend to work or in Atlanta. They would be able to find coverage for you.
More Questions & Answers...