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Contractors insurance policies containg a prior works exclusion?
Wiki User
∙ 14y ago
A prior works exclusion means that any work you did prior to buying the policy is not covered.
Wiki User
∙ 14y ago
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What type of insurance policies are offered by Butler Insurance Service?
The Butler Insurance Service has many policies. They have auto insurance, homeowners insurance, life insurance and business insurance. However the policies differ from state to state.
What types of Whole Life insurance policies does More Than offer?
There are many insurance companies that offer Whole of Life policies. At the current time More Than do not offer whole of life insurance policies instead they offer term insurance.
As an independent sub-contractor are you required to get professional liability insurance?
This depends on a number of things. It's hard to say without knowing what kind of work you are sub-contracting. First determine if you need Professional Liability coverage Or Commercial Liability Coverage. They are very different products. Most General Contractors do require the subs to carry insurance. Otherwise the General Contractor will have to pay much more for insurance coverage that effectively covers his or her own activities as well as those of the sub-contractors. If the General Contractor you are doing work for already has coverage for his subs under their insurance (usually not). What is the nature of your agreement with the General Contractor. Some Contractors insurance policies cover subs while others do not.
Does the Hartford Insurance Company sell home insurance policies?
"Yes, I checked this out and the Hartford Insurance Company has a full line of all kinds of insurance polices, including Home Owner's Insurance policies of different kinds, as well. You can contact an insurance agent for more details."
What is non-life insuran?
General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.
What is the meaning of SRCC by insurance?
The reference to SRCC in an insurance policy is generally taken to mean "Strike, Riot or Civil Commotion". It is a fairly standard exclusion (non-covered occurrence) in many insurance policies, including health policies.
Does homeowner insurance coverage criminal mischief by the homeowner?
Generally, no. There is usually an express exclusion in all types of insurance policies for criminal acts by the insured.
If the death is ruled suicide will life insurance still pay?
Most, if not all, life insurance policies have an exclusion that states that the policy will not pay if the death is ruled a suicide.
Why do contractors have a down each year for general liability insurance?
Most policies are for a term of one year. Insurance companies require down payments due to the fact so many contractors cancel their policies soon after they get their coverage certificates. This means they charge down payments to make sure they get enough premium to offset the cost of generating the policy.
If your dog is hit by a car does your home insurance cover the damage do to the car?
No, it does not. That is why there are different policies called "home insurance" and "vehicle insurance".(The answer above is not entirely true. The homeowner insurance "liability portion" may pay for the vehicle damage as long as there is not an animal liability exclusion)
Does liability insurance cover construction mistakes?
Liability insurance covers third party lawsuits resulting from a contractors operations. This includes parties injured by faulty construction and also property damage resulting from faulty construction. Liability insurance DOES NOT cover the contractors property that is "their work" which needs to be covered by builders risk insurance. Construction insurance policies are complex so make sure you work with a construction insurance broker to get quotes and understand what you are buying. Policies can be written to exclude types of work, certain projects, certain types of claims, and prior work performed.
Can a homeowner file a claim with the contractors insurance company?
Yes, That's why you always make sure your contractors are insured before you hire them. The contractor should always carry General liability insurance to cover the cost of accidental damage to a property they perform work on. Most General Liability Insurance policies will also have coverage for completed products and operations as well.
Is there life insurance available to ensure child support that does not exclude suicide?
Suicide is excluded for the first two years on most policies except Colorado where the exclusion is only one year.
Can you exclude your spouse from auto insurance coverage without their knowledge?
Not usually. With most companies the spouse will be required to sign the exclusion. I always recommend my clients against excluding people from their insurance policies. An exclusion takes away all coverages on a policy if the excluded person is driving not matter what the circumstance. Back to you original question, it is up to the insurance company whether or not the spouse must sign to be excluded.
Can a person who became disabled due to involvement in criminal activity receive disability benefits?
The answer is NO. All disability insurance policies have an exclusion for disabilities that occur while involved in a criminal activity, or incarcerated.
Will home owners insurance cover mold removal and repair?
You'll need to check your policy language or contact your insurance agent to determine if you have the coverage. Most policies these days have a built in mold exclusion unless you pick it up as an additional endorsement.
What type of insurance policies are offered by Butler Insurance Service?
The Butler Insurance Service has many policies. They have auto insurance, homeowners insurance, life insurance and business insurance. However the policies differ from state to state.
