As a contractor in Texas, you purchase commercial general liability (CGL) insurance with the anticipation that it will cover claims for issues concerning your completed work, along with injury and property damage claims.
Suddenly, a person for whom you did some work files suit because the work was not completed to the standards envisioned by the claimant. Will your insurance policy cover this? What if the work is a brick wall that collapsed and damaged the owner’s vehicle? Are both rebuilding the wall and repairing the vehicle covered?
If you are facing difficulties in getting an insurer to cover your claims, contact McLaurin Law today. The firm’s insurance coverage attorneys will take up your cause with the insurer and work tirelessly to get the compensation you deserve. McLaurin Law serves clients throughout Texas, including Houston, Sugar Land, Baytown, Katy, and Pearland.
Commercial (or contractors’) liability insurance generally will cover damages, personal injury, and advertising injury, including slander or false advertising. The insurance will usually not cover faulty work claims. In the scenario above with the brick wall, for instance, the contractor’s liability insurance would generally cover damage to the vehicle but not the reconstruction of the wall. The policy may cover the wall if the work was done by a subcontractor you hired, however.