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One in 33 installation and repair contractors experience a claim
Based on Hiscox claim data from 1/1/201-1/10/2019
Eligible Professions
- Air conditioning systems
- Appliance and accessories
- Door or window
- Drywall or wallboard
- Floor covering (no ceramic tile or stone)
- Glass (no auto work)
- Heating and air conditioning (no liquefied petroleum gas (LPG))
- Locksmiths
Common Risks for Installation and Repair Professionals
- Bodily injury
- Defamation, libel, slander
- Medical expenses
- Third-party property damage
The Curcuru Agency Bundle for Installation and Repair 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 Installation and Repair Services
GL CLAIM EXAMPLES
Third-party property damage:
A client hires you to replace several doors inside their home. While working, your employee drops one of the doors and it lands on a collection of antique figurines, smashing several of them. General liability insurance protects against third-party property damage, and would cover the cost to replace the items.
Bodily injury:
While you are installing a central air conditioning system, the homeowner trips and falls over a piece of your equipment. This accident results in the homeowner breaking his arm and spraining an ankle. You may be liable for the homeowner’s medical costs, but general liability insurance protects against third-party claims of bodily injury, associated medical costs, and potential legal action.