The General Liability code for an interior painting contractor is 98305. This applies to any interior repair work such as painting, wall papering, and the installation of other wall coverings.
A contractor Buys Commercial Liability Insurance in the contractor class, not professional liability insurance. The amount needed is typically determined by the exposures presented or as specified by the employer.
An insured contractor is a contractor who carries a Commercial General Liability Insurance Policy.
91596
General liability.(contractor's)
no
Yellowpages is a great resource to find a contractor for general liability insurance in Mobile, Alabama. The website contains contact information for multiple contractors.
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
masonry is 97447 if it's a contractor who is subcontracting out that part, it may not be the same
can a contractor have liability insurance backdated to show the company was insured
Standard general liability limits for a start up painting contractor are 1M per occurence, 2M aggregrate, 2M products and completed ops. Make sure there is no exclusion for overspray, one of the most frequent painting contractor claim types we see. You also need work comp if you have employees, and commercial auto for your work truck/van. The licence board in your state may require bonding as well.
While different states may have different requirements, it is generally the responsibility of the contractor to furnish his or her own general liability insurance. Of course, the costs of any business will be, one way or another, paid for by monies received from clients. These are "overhead" costs and will be factored into bids throughout the course of a fiscal year.
A contractor typically needs a Commercial General Liability Insurance Policy. If the contract includes professional services, then the contractor will likely be required to carry Professional Liability Insurance, either in addition to, or in place of a CGL policy. It really just depends on the nature of the services contracted.