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One in 30 exterior contractors experience a claim
Based on Hiscox claim data from 1/1/2016-1/10/2019
Eligible Professions
- Driveway or sidewalk paving/repaving
- Fence installation and repiar
- Masonry work
- Plastering or stucco work
- Sign painting and lettering (exterior only)
- Window cleaning (nothing above 15 feet)
Common Risks for Exterior Contractors
- Bodily injury
- Defamation, libel, slander
- Medical expenses
- Third-party property damage
The Curcuru Agency Bundle for Exterior Contractors Services
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
BUSINESS PERSONAL PROPERTY COVERAGE (BPP)
Available as an add-on to a GL policy, Business Personal Property Coverage covers accidental damage to your personal business property on premises (e.g. computers, printers, tablets, and office furniture). Coverage is also provided for property off-premises, such as laptops, mobile phones, tools and other equipment.
Claim Scenarios for Exterior Contractors
GL CLAIM EXAMPLES
Third-party property damage:
You are repairing a brick path that runs through your client’s garden. While removing the damaged bricks from the path, you accidentally rupture a sprinkler line, causing significant property damage. General liability insurance protects against third-party claims of property damage, and would cover the cost to fix it.
Bodily injury:
You have been hired to clean windows at an elderly client’s home. While on the job site, your client trips over your ladder, falling and breaking his arm. General liability insurance protects against third-party claims of bodily injury, associated medical costs, and potential legal action.