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Contractors must carry insurance for any vehicle or piece of equipment that they use in their business. This includes trucks, vans, trailers, and other vehicles used to transport materials or people. It also covers tools, machinery, and equipment used in construction projects.
What is Contractor Insurance California?
Contractor insurance is an umbrella policy that protects contractors against claims made against them by third parties. These claims can arise out of accidents involving the contractor’s vehicle or equipment, injuries sustained by workers while using the contractor’s equipment, or damage caused by the contractor’s negligence.
Types of Coverage
There are two main types of coverage available through contractor insurance: liability and property. Liability coverage pays for damages resulting from bodily injury or property damage caused by the insured contractor. Property coverage covers the insured contractor’s personal assets such as tools, equipment, and vehicles.
Who Needs Contractor Insurance?
If you work as a contractor, you need to make sure you have adequate insurance coverage. You should also check with your state’s department of motor vehicles (DMV) to see what type of insurance policy is required for contractors in your area.
If you have a physical location with a commercial lease, your property manager may require you to purchase general liability insurance.
To meet state requirements in California, general contractors with employees must provide workers’ compensation insurance, which covers lost wages and medical bills for work injuries.
Depending on your project and type additional coverage’s might be required.
Why Should You Carry General Contractor Insurance California?
There are several reasons why you might want to carry general contractor insurance. First, it protects you against liability claims. Liability claims arise when an individual suffers injury or damage due to another party’s negligence. In other words, if you are sued because of something you did while performing your job, you will likely be held responsible. This means that you must have insurance to protect yourself against such claims.