Sheet metal contractors are essential for the completion of a wide variety of jobs including roofing, new construction and more. The vast majority of these jobs will go smoothly without any problems. When something does go wrong, however, the sheet metal contractor needs to have protection in place to protect their business as well as make things right on the job.
If you hope to be able to get hired as a sheet metal contractor in New York, NJ or CT you will need to carry a sheet metal contractor general liability insurance policy. This is a legal requirement for most types of jobs, and even if it wasn’t it would be a good idea for all contractors to help provide themselves with the layer of protection they need.
Whether you’re just starting out as a sheet metal contractor or you’re looking to get a new insurance policy, the most important thing to understand is what types of things will be covered. The specifics of a given policy will vary based on your needs, but in general the same types of things will be protected. One of the most important types of coverage is for the jobs you work on. If you complete a job and then something goes wrong either due to a mistake on your end or a problem with the materials used, your business can be held liable. If that is the case, your sheet metal contractor general liability coverage will step in and cover the costs.
In addition, this type of insurance can cover costs associated with bodily injury to those who are either on your property or are injured at a client’s property due to your work. This can include medical overage and more depending on the situation. General liability insurance can also provide protection from third party contractors, medical payments, advertising issues and more. While most sheet metal contractors would much prefer being able to ignore this type of thing and focus on their work, that is not a good idea. If you get a good sheet metal contractor general liability policy, however, you will have all the protection you need.
If you don’t already have a sheet metal contractor general liability insurance policy for your company you should look into getting one as quickly as possible. Many clients won’t hire a contractor without the proper types of insurance. If you don’t currently have this type of policy and a client is requesting one, don’t worry, we can help. Our team of insurance professionals can work with you to find and sign up for the high quality insurance you need in about an hour.
Whether you’re in a hurry or not, please give us a call at either 212-671-2562 or 718-676-9743. You’ll be able to speak with one of our insurance specialists who will get you a free, no obligation quote for sheet metal contractor general liability right away.