General liability insurance gives you the peace-of-mind that your business assets are protected against risks or unforeseen events. If a third party alleges property damage, injury, or bodily harm, you won’t have to worry about your construction business assets being depleted by medical bills, court costs, settlements, or judgements.
In the high-risk construction industry, safety and protection are part of the job. General liability insurance is one way you can protect your business and keep your assets where you want them. You work hard to build your business. General liability insurance works hard to protect it.
There is no substitute for experience, so if you're trying to find the best possible general liability coverage in your location, you have come to the right place! Place your business in the capable hands of Pascal Burke Insurance Brokerage today!
General liability insurance, often called business liability insurance and commercial liability insurance, provides coverage for your business against claims of:
General liability insurance provides coverage to the insured for third-party “bodily injury” or “property damage” arising out of your operations, including defense and indemnity that the insured become legally obligated to pay. The policy also provides premises liability, fire damage to the insureds rented office (not your home).
General liability (GL) insurance (also known as small business liability insurance or commercial liability insurance) gives you the peace-of-mind that your business assets are protected against risks or unforeseen events. If a third party alleges property damage, injury, or bodily harm, you won’t have to worry about your construction business assets being depleted by medical bills, court costs, settlements, or judgements.
This section explains what our Business General Liability Insurance offers. You should consider General Liability Insurance Coverage if you or your employees:
Some small contractor insurance programs may exclude certain coverage listed below. If these coverages are needed, they can be purchased through broad form policies, usually at a higher cost.
The location and business trade plays a role in the cost of your general liability policy. If you do business in an area where the risk is greater, you may be able to manage your costs by adjusting your limits to reflect your actual need. For example, a roofing company will do higher-risk projects than say a handyman. Quotes will vary by business depending on the trade, the size of the business, the state your business is located in, and the limits/deductibles selected. A commercial property policy is purchased to cover damage to the contractor’s own buildings, office contents, and most other personal property that it owns. A commercial property policy can also cover loss of income or increase in expenses that result from insured damage.
How to make sure that your subcontractors claims stay with your subcontractors do not hit your General Liability policy and drive your rates sky-high?
Collect from each subcontractor prior to the subcontractor commencing work, the following:
If you're running a contracting service, you most likely currently know how easily things can go wrong. From broken equipment to injured employees, and everything in between, building and construction is a hazardous industry where accidents happen every day. Being so, there are few things more vital to your contracting company than insurance that will cover you totally when hard times fall. So if you're trying to find the best possible license bond in Detroit, MI, you’ve arrived - put your company in the capable hands of Pascal Burke Insurance Brokerage today!
General liability insurance gives you the peace-of-mind that your business assets are protected against risks or unforeseen events.
If one of your employees is injured or becomes ill as a result of their job, worker’s comp benefits cover the costs of getting them well.
This is a legal obligation that guarantees you'll perform your work according to your contract while adhering to the regulations of your license.
Extend your insurance, so you are covered in case a client requires higher liability insurance or protect against a high-dollar incident or claim.
Many contracting insurance brokers have business diplomas and briefcases - they might understand the stats, however they don't have the facts. When you select Pascal Burke Insurance Brokerage, Inc., you're drawing from decades of experience in the building and construction industry. Having been in the field ourselves, we know your insurance needs like the back of our hands - hands that are still calloused from the work you do everyday. Some things just can't be taught - they must be lived. So, if you want insurance coverage brokers who'll treat your company as they would their own, we're the ones for you. Let's build something.
In 1974, our founder and president Pascal Burke began his career in construction as an architect’s apprentice, but his heart was in building so he joined a large concrete company, building parking structures and sports stadiums, After a few years he began his own construction company specializing in parking structures until 2005, he then joined the board of directors of an insurance company that specialized in contractors general liability. After 4 years, he began Pascal Burke Insurance Brokerage, Inc. Since this beginning we have specialized in contractors’ insurance and are licensed in over 40 states. We truly know contractors from the ground up!
Detroit is the largest and most populous city in the U.S. state of Michigan, the largest U.S. city on the United States-Canada border, and the county seat of Wayne County. The municipality of Detroit had a 2020 population of 639,111 according to the 2020 census, making it the 27th-most populous city in the United States. The metropolitan area, known as Metro Detroit, is home to 4.3 million people, making it the second-largest in the Midwest after the Chicago metropolitan area, and 14th-largest in the United States. Regarded as a major cultural center, Detroit is known for its contributions to music and as a repository for art, architecture and design, along with its historical automotive background.Wikipedia