Four policies, one program
Most coverage disputes come from the gap between two policies, not from a missing one. Here is how the four fit together.
Review my coverageThird-party bodily injury and property damage caused by your operations or completed work.
Injury to your own employees. Required in nearly every state once you have staff.
Your trucks, trailers and the equipment you tow. A personal policy will not cover business use.
Tools and equipment, in transit and on site. The coverage that gets skipped and then regretted.
These four gaps account for most of the denied claims we see.
Tools left on a job site overnight are not covered by a general liability policy. That is inland marine, and it is the most commonly skipped coverage in the trade.
A truck used for business is not covered by a personal auto policy. Even a single vehicle needs commercial auto once it carries tools or drives between job sites.
An employee injured on site is a workers compensation claim, not a general liability claim. Confusing the two delays payment and can expose the business to penalties.
Damage you cause to a customer's property after you have finished the work is completed operations. It is included in general liability, but only if the policy has not been restricted to ongoing operations.
Yes, if the truck is used for business. Personal auto policies exclude business use and will deny the claim.
In many states sole proprietors can exempt themselves, but the rules and penalties for a wrong exemption are strict.
Tools and equipment in transit and on site, including the theft that general liability does not cover.
Tell us what you do and we will show you where the gaps are.
