General contractors nonspecific liability insurance co.?
My wife severely injured / broke her ankle on a landing that had no rail or trickle protection provided. The general contractor was responsible for the framing of the steps and the landing ( the entire house) he also carried the building permit and is responsible for any injuries resulting form the contractor operations as his contract states. He refuse to give me the name of his insurance co. I own sent him a demand letter, explanations, but no insurance co. have contacted me yet. I want to talk to his ins co. to try to settle this past I hire my attorney.
Answers:
I currently work for a general contractor, and we have builder's liability ins. If a customer is injured while we are on the duty site, our insurance will pay the claim, regardless of the extent of injuries, up to $xxx.xx. Her homeowner's should not pay, because the injury occur while the premises was under construction. Unless, as you would expect, she took out additional homeowner's insurance. And, as long as we have materials or tools on the jobsite, whether we are on site or not, it is considered that we are on site.
If he is a reputable contractor, consequently he should have no problem giving you his insurance information. If this is being compensated for by bank loan, does your bank hold a copy of the insurance policy? My company has to give a copy of the front page of the policy for any commission that requires a loan.
Good luck!
You don't NEED the name of his insurance company - they won't accept a claim report from you. If he refuse to submit the claim, well, he doesn't HAVE to, until he receives SUIT papers from you.
What be your wife doing on the landing?? Do you guys LIVE there? Was he in the process of framing everything, and hadn't gotten to it even so, when she was up there? If that's the valise, he's likely not going to be held liable!!
So, if you want money, you have to flat out sue him. You're GOING to enjoy to hire an attorney. Contractors have tons of claims, and insurance companies don't settle unless there are severe injuries (like a broken final - a broken ankle is NOT a severe injury) and permanent damage. AND, depending on WHY she be there . . . they might have no duty at all. Especially if YOU GUYS own the premises. Source(s): agent, 21+ years
Related Questions:
Answers:
I currently work for a general contractor, and we have builder's liability ins. If a customer is injured while we are on the duty site, our insurance will pay the claim, regardless of the extent of injuries, up to $xxx.xx. Her homeowner's should not pay, because the injury occur while the premises was under construction. Unless, as you would expect, she took out additional homeowner's insurance. And, as long as we have materials or tools on the jobsite, whether we are on site or not, it is considered that we are on site.
If he is a reputable contractor, consequently he should have no problem giving you his insurance information. If this is being compensated for by bank loan, does your bank hold a copy of the insurance policy? My company has to give a copy of the front page of the policy for any commission that requires a loan.
Good luck!
You don't NEED the name of his insurance company - they won't accept a claim report from you. If he refuse to submit the claim, well, he doesn't HAVE to, until he receives SUIT papers from you.
What be your wife doing on the landing?? Do you guys LIVE there? Was he in the process of framing everything, and hadn't gotten to it even so, when she was up there? If that's the valise, he's likely not going to be held liable!!
So, if you want money, you have to flat out sue him. You're GOING to enjoy to hire an attorney. Contractors have tons of claims, and insurance companies don't settle unless there are severe injuries (like a broken final - a broken ankle is NOT a severe injury) and permanent damage. AND, depending on WHY she be there . . . they might have no duty at all. Especially if YOU GUYS own the premises. Source(s): agent, 21+ years
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