Small contractor work insurance
Sep 28, 2017
Article by Itzick Simon
Many construction companies and contractors are often required to perform small jobs on a random and occasional basis.
These are jobs that are often carried out "under the radar", they do not belong to any project that carries a contractors' insurance policy and are therefore carried out without insurance coverage.
Here's an example: Several years ago, a tree fell on a synagogue on Erev Kippur - the contractor sent two workers to urgently repair it as a donation to the community - but the worker fell from the roof and was seriously injured.
In our experience, during the ongoing operations of a construction company, there may be a variety of cases and reasons why "projects" are opened - various small construction jobs, which in most cases do not have any insurance coverage. We offer our customers a convenient and suitable insurance solution. For details, please contact us .
Article by Itzick Simon
Many construction companies and contractors are often required to perform small jobs on a random and occasional basis.
These are jobs that are often carried out "under the radar", they do not belong to any project that carries a contractors' insurance policy and are therefore carried out without insurance coverage.
Here's an example: Several years ago, a tree fell on a synagogue on Erev Kippur - the contractor sent two workers to urgently repair it as a donation to the community - but the worker fell from the roof and was seriously injured.
In our experience, during the ongoing operations of a construction company, there may be a variety of cases and reasons why "projects" are opened - various small construction jobs, which in most cases do not have any insurance coverage.
We offer our customers a convenient and suitable insurance solution. For details, please contact us .
Insurance coverage for preparatory work prior to the execution of a large project.
In most cases, this is the stage where you are waiting to receive a building permit, but you want to prepare the area, clear it, fence it, perform test drilling, etc.
Without reporting new work, small jobs that are carried out in the field until the permit is received are essentially done without insurance coverage.
Here – there is coverage for this preliminary stage too!
Insurance coverage for maintenance work on completed projects.
At a good and successful time, you have handed over a construction project to the developer, tenants, or buyers.
The contractor's insurance has already expired.
After 12 or 24 months from the date of completion of construction (depending on the terms of the policy) - the maintenance period specified in the policy also ends.
However, over time, it is necessary to return to the project to carry out repairs, renovations, and inspection and maintenance work.
A small contractor work insurance policy is designed for precisely these types of situations.
In most cases, this is the stage where you are waiting to receive a building permit, but you want to prepare the area, clear it, fence it, perform test drilling, etc.
Without reporting new work, small jobs that are carried out in the field until the permit is received are essentially done without insurance coverage.
Here – there is coverage for this preliminary stage too!
Insurance coverage for maintenance work on completed projects.
At a good and successful time, you have handed over a construction project to the developer, tenants, or buyers.
The contractor's insurance has already expired.
After 12 or 24 months from the date of completion of construction (depending on the terms of the policy) - the maintenance period specified in the policy also ends.
However, over time, it is necessary to return to the project to carry out repairs, renovations, and inspection and maintenance work.
A small contractor work insurance policy is designed for precisely these types of situations.
Whether due to lack of knowledge, or fear of high costs or long and exhausting policy issuance processes, whatever the reason, many small jobs are carried out without insurance coverage, and damage control requires the construction operator to open their pockets.
Issuing a policy quickly, easily and simply
When it comes to large projects, we all know very well how complex the process of issuing a contractor's work policy is.
But, when it comes to a small works insurance policy, the issuance process is also simple and quick.
One policy, insurance coverage for several small, random jobs at the same time.
Small contractor work insurance allows you to include several jobs in one policy without the need to declare each one, or to give advance notice of the start of another small job without issuing a separate policy for each one.
In conclusion, this is important and perhaps even urgent. There is no denying the importance of a policy for small jobs - although these are small jobs - they sometimes cause big problems.
Insurance coverage for a variety of jobs that you have previously performed without insurance
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