Getting the right independent contractors liability insurance in place can protect you from lawsuits, mishaps and third party property damage that can devastate your business.
The specific independent contractors liability insurance coverage you need will be unique to your business. By working with a knowledgeable agent, you can ensure that you don’t have critical gaps in coverage that could leave you exposed to expensive legal claims.
Normally, you will need a few different categories of coverage for complete liability protection:
Bodily Injury protection provides coverage if you or someone you employ causes injury or death to a third party during the course of work. Property damage protection provides coverage if you or one of your employees causes damage to property belonging to others.
Provides coverage in case a project you finished has an issue or causes damage. It can also extend to any products you sell or distribute.
Advertising personal injury
Covers the risk of damaging another’s reputation or causing a loss through slander, libel or false advertising claims.
This covers you in a contract dispute. It is not always included in general liability coverage so verify that you carry this coverage with your insurer.