What is Ornamental Metal Contractors’ General Liability?

Ornamental metal contractors’ general liability insurance, also referred to as decorative metal contractors’ liability coverage, offers vital protection for company owners in case of incidents or accidents at their premises or job sites. This policy ensures financial security and peace of mind by defending against potential claims targeting the business.

Why do I need it?

Business Protection – General liability insurance for ornamental metal contractors plays a crucial role in protecting business owners from lawsuits that may arise from the following:

• Business Liability
• Liability Assumed Under a Contract
• Product Liability
• Employee Liability

Company Compliance – Liability insurance for decorative metal contractors is typically mandated by project owners and various state licensing departments as a prerequisite for initiating operations.

Marketing Benefits – Presenting contractor liability coverage for ornamental metal businesses demonstrates your commitment to responsible operations and provides comprehensive security for all parties involved, offering prospective clients peace of mind. This form of construction insurance acts as a safeguard, bolstering your professional reputation and increasing your chances of securing bids.

Property Landlords – When securing a lease from a commercial management company, it is common practice to furnish proof of sufficient business liability insurance for decorative metal contractors.

What does it Cover?

Decorative metal contractor liability insurance ensures financial security by offering coverage for legal defense costs and damages, up to the policy limits, in lawsuits initiated by third parties claiming injury or damage caused by the business.

This coverage acts as a protective barrier against unforeseen expenses resulting from common incidents, which may include:

• Bodily Injury
• Property Damage
• Products and Completed Operations
• Personal and Advertising Injury

What is a Certificate of Insurance?

When establishing a business relationship, it is a common practice for clients, contractors, and other parties to request a COI (certificate of insurance) as proof of general liability coverage for ornamental and decorative metal contractors.

What is an Additional Insured?

Under a standard ornamental metal contractor liability insurance policy, an additional insured refers to a person or organization other than the policyholder who receives coverage under the policy. This endorsement is highly sought after and commonly required.

How much is it?

When requesting a liability insurance quote for decorative metal contractors, the cost is determined by considering various factors, which include the type of work performed, claims history, location, and prior coverage.

Our team of experts will collaborate with leading wholesalers to conduct a comprehensive assessment of your business needs and financial objectives. This process enables us to determine the insurance coverage options that best align with your specific requirements.

What are my Payment Options?

Our specialized programs offer a range of payment options for purchasing your liability insurance policy for decorative metal contractors, giving you the flexibility to choose the one that best matches your financial preferences.

Full Payment Option – Pay the premium with one payment.
Direct Bill Option – Pay the monthly premium to the carrier directly.
Financing Option – Pay the monthly premium through a finance company.

What Sets Fairbanks Insurance Apart from the Rest?

Our specialized knowledge lies in construction business insurance, which gives us a clear advantage in partnering with leading providers nationwide to obtain the most cost-effective general liability insurance for ornamental and decorative contractors. Our primary objective is personalizing coverage to match your needs and financial resources.