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The construction industry can be dangerous, and working with concrete presents its hazards. Liability coverage covers any costs, including defence costs, if you are found to be legally responsible for injury or property damage due to your business operations on and off the property.
While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.
Coverage for Tools
Your tools are essential for you to carry out your daily tasks and are the backbone of your business. Unlike many other industries, your tools are constantly on the move, which can pose an increased risk. Tool coverage is the best way to protect yourself and your business. This coverage can help you with the cost of repairing or replacing your tools if they are damaged or stolen, whether they are at your place of business, a job site, or on the road.
Equipment insurance is a necessary part of any business. If you’re unsure what you’re protecting, speaking with an insurance broker is important to understand better. Not only will this help you decide which types of insurance are best for your business, but it will also help you budget for your needs. Additionally, it’s important to be aware of the different types of insurance available, so you can choose the right policy for your business. If you’re a concrete layer, equipment insurance is a great example of how to protect your business from the costs of replacing equipment damaged by vandalism, weather-related losses or on-site disasters.
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Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.