depending if your a corp. and what type s-corp,LLC.etc..
No they can still file suits against you but it can help with lawyers and payments.
No it does not.
An insured contractor is a contractor who carries a Commercial General Liability Insurance Policy.
can a contractor have liability insurance backdated to show the company was insured
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
no
General liability.(contractor's)
Contractors will be required to carry a minimum of public liability insurance when working on sites. This provides indemnity against damage to property or persons caused by the contractor, his staff or his equipment.
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.
Yellowpages is a great resource to find a contractor for general liability insurance in Mobile, Alabama. The website contains contact information for multiple contractors.
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.
Contact a licensed commercial insurance agent in your area. It will be able to assist you if it do not sell the particular coverage you need by referring you to another broker. Do a search for general liability insurance for your state and hundreds of agents will show up. Make sure you use a contractor insurance specialist however.
Comprehensive general liability insurance covers businesses against many liability exposures of a business. Comprehensive general liability insurance coverage includes completed operations, elevators, independent contractors, and more.
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.