Liability Insurance protects a contractor from 3rd party bodily injury, advertising injury (libel), personal injury, and property damage. Without Liability insurance, even a minor accident could wipe out an entire company. Liability Insurance is a requirement of a construction company in all areas of construction. Liability Insurance will cover legal costs regarding an accident that happens during period of coverage and as an act of negligence by an employee or company in general. Umbrella Insurance is liability insurance that protects the standard limits on the primary policies. Umbrella Policies are typically sold in increments of $1Million dollars.

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