General Liability Insurance For Contractors In Michigan: What You Need To Know

Описание: ✅ Get a quote today: https://www.yourmichiganinsurance.com...
📞 Call or Text: 248-459-3045
📧 Email: [email protected]

General liability is designed to cover situations where someone gets injured, or their property is damaged, because of your work. Whether you’re a smaller operation with a few employees and some trucks, or a larger business, this coverage can protect you from a large financial loss if an accident happens.

For example, if you’re working on a job site and accidentally damage a client’s property, or if someone trips over your equipment and gets hurt, general liability insurance could help cover the costs associated with those claims. Medical expenses, repairs, and legal defense costs if there is a lawsuit—these are all typically covered under general liability.

So what should you be looking for in a policy? Well, start with coverage limits that match the scale of your work. Think about the kinds of risks you face on a daily basis, and choose limits that make sense for your type of projects. Limits will typically start at $1 million per occurrence with a $2 million aggregate limit, and depending on the insurance company, they could offer limits up to $2 million per occurrence and a $4 million aggregate limit.

If you are considering more coverage, then looking into an umbrella or excess liability policy could be worth looking into. You don’t want to be underinsured, but you also don’t want to overpay for coverage you don’t need.

Next, look for a policy that covers both ongoing operations and completed work. This is important because sometimes claims pop up after the job’s done—maybe there’s an issue with the work itself, or someone gets injured after you’ve finished. Having that completed operations coverage can be a big help.

Finally, make sure you’re working with a reputable insurance carrier. Claims handling, financial stability and responsiveness matter, especially if you ever need to make a claim. The right insurance company will help make the process smoother and support you if things get complicated.

Overall, general liability is a foundational part of any good contractor’s insurance program. And it’s not simply about meeting a requirement for a specific job, but about knowing you’re protected so you can focus on your work.

Learn more:

Need help with your insurance? Have questions?
✅ Get a quote today: https://www.yourmichiganinsurance.com...
📞 Call or Text: 248-459-3045
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I look forward to working with you!

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Timecodes
0:00 - Intro
0:56 - What General Liability Insurance covers
1:18 - Example scenarios of what general liability insurance covers
1:44 - What to look for in a general liability insurance policy
1:59 - What coverage limits are available for general liability insurance
2:33 - Make sure completed operations coverage is included on your general liability policy
2:53 - Work with a reputable insurance company
3:16 - Closing

**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.