J&C Corbett Insurance Services, Inc.

General Liability

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• General Liability For Contractors - Online Application
• General Liability For Contractors - Downloadable Application

FAQ

What is Comprehensive General Liability?
Comprehensive General Liability provides Liability coverage for bodily injury and property damage arising from accidents on premises, business operations in progress, products manufactured or sold, and completed operations. Bodily Injury includes sickness or disease and death in addition to accidental injuries (Bodily Injury coverage does not apply to the insured's employees. If a contractor has employees, he must carry Workers' Compensation insurance to protect them). Property Damage applies only to claims from damage to tangible property or loss of use of tangible property not damaged.

How can I obtain a quote for a General Liability policy?
You simply fill out our online application or complete our questionnaire and e-mail or fax it to our office. We will review your information and shop insurance companies for the best price. Feel free to call us if you need help completing the questionnaire.

How long will it take to receive a quote once you receive my questionnaire?
We can usually get you a quote within 24 to 48 hours after receiving your questionnaire unless the quote must come from another office, which could add two or three days.,

How much will General Liability cost me?
The cost of General Liability varies from contractor to contractor depending on gross receipts, payroll, subcontract costs, and location. If the contractor's questionnaire is completed and e-mailed or faxed to us, we will be able to accurately quote you.

Can I buy a policy for a "one-time project" that shouldn't last more than a month but requires that I have General Liability coverage?
At the present time, none of our insurance companies offers this type of policy. We offer policies that are written on an annual basis.

How soon after you request binding of my policy am I able to get a Certificate of Insurance?
Once we are in receipt of your confirmation letter from the underwriter and are supplied a policy number, we can request a Certificate of Insurance from the underwriter's office.

Am I required to have General Liability?
You are not required to carry General Liability insurance in the State of California; however, home improvement contractors must disclose to homeowners in writing whether or not they carry Commercial General Liability insurance. All contractors must answer honestly whether they carry Commercial General Liability insurance if asked by another contractor, or homeowner, or other potential customer.

Will my General Liability policy automatically renew from year to year?
Your General Liability policy will not renew automatically. With each new policy year a number of your working conditions may have changed as well as the program in which you were previously insured. We will review your renewal questionnaire and find the best policy for you.

What other types of insurance do you offer?
In addition to General Liability, we offer a number of insurance policies for contractors: Inland Marine (to cover your tools), Commercial Auto, Builders Risk (Course of Construction), Property, Workers' Compensation, Health Benefits, and Umbrella/Excess.