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September 28, 2022

Who pays for the antique crystal chandelier bought by your customer’s grandmother in France a hundred years ago–the one your employee broke while painting her dining room?


Do you dock the $25,000 out of the employee’s pay? Or do you send to some antique dealer in France to find a replacement? What about looking for a fake on Amazon? Well, as one contractor said, “Don’t argue with the customer. Take ownership of the situation and take care of it.” But how?

You don’t have to worry about this kind of situation if you are prepared with the right insurance. Contractors can get general liability insurance that covers accidents like the crystal chandelier one–a type of insurance that will pay for repairs or replacement. It also will protect you from the cost of lawsuits if the customer sues.

So, knowing that almost every contractor who has painted a house, put in new tile or wooden floors, or who has replaced plumbing has managed to break chandeliers, spill cans of paint on carpet, or break windows, mirrors, and lamps, you should make sure you are properly insured to handle these inevitable situations.

Every electrician, painter, carpenter, and plumber–all types of tradesmen, contractors, and subcontractors need general liability insurance for when things go wrong. Be prepared for the unexpected that will challenge your financial security and your reputation. Contact Koch Insurance Group for expert advice on the right insurance coverage for your business.

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