Baton Rouge Contractors Insurance

Baton Rouge Contractors InsuranceLooking for the Better Rates & Coverage on Contractors Insurance in Baton Rouge and the Surrounding Areas?

The knowledgeable insurance experts at the Jeff Davis Insurance Agency can help you!  Just call us at 337-824-4455 or click on Contractors Insurance Quotes Baton Rouge. 

We offer Louisiana contractors insurance throughout the state.  Call us today you won’t be disappointed!

One of the most complicated contracts you will ever enter into unfortunately is an insurance contract, especially contractors insurance in Baton Rouge.  Picking the company with the cheapest rates could cost you and your business a large financial loss. 

We can help you pick the right coverage for your needs at the lowest possible price.

However before purchasing a contractors insurance policy in Baton Rouge there are a few things to keep in mind.

This is What You Need to Know about Exclusions in Your Baton Rouge Contractors Insurance Policy.

Most people pay little or no attention to the exclusions in their insurance policies until they need coverage for an incident. 

Confidently they call their insurance agent assuming coverage applies only to find out that their policy does not cover them for a particular claim! 

What happens next if your insurance doesn’t pay?

You need to pay out of pocket!

For Instance, Would You Be Covered for this Type of Claim?

You subcontract a project to one of the best carpenters in town but he is known to be a loose cannon.  In fact he had been previously fired for violent behavior on the job when things didn’t go his way. 

Because you really like his work and he promised to keep his temper under control, you decide to hire him for the project.

While on your construction site, he becomes enraged at an electrician that you hired, and purposefully throws his hammer at him, sending him to the hospital with a critical brain injury.

As he is hauled off to prison for assault with a deadly weapon you are served with a $2 million lawsuit due to the actions of your subcontractor.

Your contractor’s insurance policy provides coverage for property damage and injuries and you feel confident that you are covered. 

Four weeks later you receive a claim denial by certified mail.

What went wrong?  You find out that some Baton Rouge contractors insurance policies have an exclusion like this one:

Exclusions. This insurance does not apply to: 

Expected Or Intended Injury “Bodily injury” or “property damage” expected or intended from the standpoint of the insured. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property. 

What happens now?  You guessed it, you are hit for a $2 million dollar judgment forcing you to file for bankruptcy and you lose all of your assets to pay the injured electrician for his brain injury, rehabilitation and inability to work for the rest of his life.

Unless you have deep pockets, this would be a disaster.

How Can You Avoid Paying For Contractors Insurance in Baton Rouge That Might Not Fully Cover You?

Talk to the experts at the Jeff Davis Insurance agency.  Call us today at 337-824-4455 or submit your information to us online when you click on Baton Rouge Contractors Insurance Quotes.

In addition to contractors insurance quotes in Baton Rouge, we also offer insurance quotes in the following areas:

  • New Orleans Contractors Insurance Quotes
  • Contractors Insurance Quotes Lake Charles
  • Shreveport Contractors Insurance Quotes
  • Contractors Insurance Quotes Lafayette
  • Metairie Terrace Contractors Insurance Quotes
  • Contractors Insurance Quotes Metairie
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