Trade Contractor Insurance

W. A. George has construction industry insights regarding innovative products and services to help commercial trade contractors address their unique exposures.

• Concrete Contractors
• Carpentry Contractors
• Electrical Contractors
• HVAC Contractors
• Plumbing Contractors

W. A. George we can help you manage and mitigate risks such as workforce injuries, quality assurance and quality control and fleet management.

General liability insurance

• General liability gives your construction business and your employees security. With this coverage, you can carry out daily work knowing you and your employees are protected from uncertainty. General liability protects your business against claims brought against the company as a whole, as well as claims brought against individual employed by the Company.
  
  
• For a contractor or construction worker, general liability insurance offers peace of mind that their contracting or construction business will have the necessary funds to continue daily operations-even when faced with a costly claim.

Covers the legal fees that can easily bankrupt a small contracting or construction business such cost as attorney fees, witness fees, court expense and more. After a lawsuit, GENERAL LIABILITY FOR CONSTRUCTION WORKERS AND CONTRACTORS can be the difference between never opening the business doors again and weathering the storm still on your feet.

Added Value Contractor’s Faulty Workmanship Coverage

Contractor’s Faulty Workmanship Coverage is a unique endorsement offered by W.A. George Insurance Agency Contractor’s General Liability programs. It provides a $10,000 limit to protect our clients against arising out of faulty workmanship, materials or products. These claims would otherwise be excluded by exclusions, J (Damage to Property), K (Damage to Product) and L (Damage to Your Work), found in other contractor general liability policies.  Obtain coverage for such claims by insuring with W.A. George Insurance Agency.

Actual Covered Claims Examples

99215 Driveway, Parking Area or Sidewalk

A driveway/sidewalk paving contractor was hired to cover a parking lot with asphalt. Two months after the installation of the parking lot, the client alleged that the original installation was not sticking, and it appeared that the surface was crumbling. The unsatisfied client filed a claim. Although the claim would have been denied under the ISO general liability “business risk” exclusion, the insured had the Faulty Workmanship endorsement as part of his policy. The endorsement provided $10,000 for the claim.

94569 Floor Covering Installation

A floor covering and tile/stone installation contractor was hired to install carpet in a residence. A claim was filed alleging the carpet installation was poorly done. The customer claimed there were multiple seam issues, the Berber was not lined up and the carpet frayed at all transitions. The insured was billed and paid $2,247.11 for the removal and replacement of the carpet. Because the contractor’s W.A. George policy had the Faulty Workmanship endorsement, the carrier reimbursed the insured.

92478 Electrical – Within Buildings

Keith, a licensed electrical contractor, was hired to install security cameras. The cameras were installed incorrectly. Water got into the cameras causing damage. The contractor’s Faulty Workmanship endorsement paid $10,000 for the damages caused by the fault/installation. If the contractor did not have the Faulty Workmanship endorsement, he would have been
responsible for the entire $10,000 in damages.

Day Care Center Insurance

W. A. George has programs designed to entertain both profit and non-profit operations providing early childhood education including corporate childcare centers. The program include general liability, professional liability, property, automobile, student accident, abuse umbrella.

Day Care Insurance Plan Details

Property coverage
Business income on an ALS basis
Ordinance or law
Money & securities
Employee theft
Equipment breakdown
 
General liability coverage
Automatic additional insured status
Corporal punishment
Medical payments for children available
Teachers professional liability
Separate abuse limits

Day Care Check List

Use the following list to ensure your day care adheres to basic safety guidelines

1. Check the lighting in your center
2. Floor clutter/cleanliness
3. All cords are out of reach of children
4. Hot water temperature limited (not too hot)
5. Electric outlets are plugged
6. Make staff aware of finger pinch hazards
7. Windows tempered shatter proof glass
8. Furniture secured from tipping
9. Childproof cabinet doors
10. Bathroom monitoring policies in place
11. Attics adequate ventilation to prevent heat buildup
12. Adequate insulation to prevent freezing pipes
13. No bare wires/no loose sockets
14. Exits are clearly marked
15. Emergency phone numbers posted by phones
16. Chemicals and cleaning products stored away from food and/or food related items
17. Local fire codes are followed
18. Carpets are in good repair

Mortgage License Bond

W.A. George writes Mortgage License Bonds for New Jersey

We recognize that this industry has undergone extensive regulatory oversight by both the federal and state governments and we want to write the license bonds required for Mortgage Brokers, Lenders, Servicers and Originators. Here is some important information regarding our underwriting and rates related to these bonds. 

We will consider single and aggregate bond requests for Residential Mortgage Brokers in New Jersey up to $150,000 based on the personal credit of the applicants. For your clients that need aggregate lines above $150,000, we will also require signed indemnity along with business and personal financial statements. 

We will also consider single and aggregate bond requests for Residential Mortgage Lenders and Correspondent Residential Mortgage Lenders up to $100,000 based on the personal credit of the applicants. For your clients that need single or aggregate lines above $100,000, we will also require signed indemnity, business and personal financial statements and information on their operation, including internal and financial controls.

Business Insurance

Whether you are an established business looking for the best rates for your company's business insurance or have just launched a new business, W.A. George Insurance Agency can help you find the absolute best business insurance solution available. With over 100 A-rated carriers to choose from, rest assured that we will find you the protection you need at the best price available. Start saving on your business insurance today!

What Business Insurance do I need?

The answer depends on your particular business. Once we gather the appropriate information, the professionals at W.A. George Insurance will leverage our experience and resources to put together the right insurance solution for your company.

Commercial customers generally require some or all of the
following types of insurance coverage:

Commercial Property Coverage – covers the assets and property of your business…and if you own the property, can cover the building itself.

Commercial General Liability – You’d be horrified if an accident occurred on your premises and even more upset if anyone was hurt and you weren’t insured. Protect yourself from this kind of eventuality or from an accident resulting from the actions of an employee with commercial general liability insurance. This type of policy also covers damages that might occur to the property of others.

Business Automotive Coverage – Make sure any vehicles used in the course of your business are covered by a comprehensive business automotive policy. Just as you protect your personal car and yourself with consumer automotive coverage, it’s important to carry liability, medical and bodily injury coverage for your business vehicles.  Hint: Be sure to cover your business for uninsured and underinsured drivers with your commercial automotive policy as well!

Worker’s Compensation Coverage – If an employee is hurt on the job, you’ll use worker’s compensation insurance to cover their medical bills and part of their salary. In most states it’s required, so it’s not something you can afford to overlook. Hint: Illinois requires this coverage.

Key Person Insurance – If your business relies heavily on the knowledge and talents of a few key individuals consider taking out Key-Person Insurance. In cases where your essential human resources die or become disabled, this kind of policy can help the business remain viable until another suitable candidate can be found.

Commercial Excess Liability – High jury awards may sound nice if you’re the one getting the money but if you’re the one paying out, this could mean the death of your business. This kind of supplemental policy covers liability over and above the amount covered in the standard commercial general liability policy, protecting your business from liability for accidents that could be attributed to negligence – even if that negligence takes place at the hands of one of your employees.

Religious Organization Insurance – Coverage for a religious organization is critical maintaining and organizations ability to function. Coverage for General Liability, Professional Liability, Abuse and Automobiles are some of the areas of coverage these policies include. Who should consider reviewing their Business Coverage? Quite possibly, YOU. If you haven’t recently reviewed your commercial insurance coverage, you may need to reassess your risk and look into lowering your overall insurance costs. W.A. George Insurance can help…

Commercial Risk Assessment – Not sure how much coverage you need to meet the minimum requirements and protect yourself and your business from risk?

Who should consider reviewing their Business Coverage?

Quite possibly, YOU. If you haven’t recently reviewed your commercial insurance coverage, you may need to reassess your risk and look into lowering your overall insurance costs. W.A. George Insurance of Chicago, Illinois can help…

Commercial Risk Assessment – Not sure how much coverage you need to meet the minimum requirements and protect yourself and your business from risk?