Contractors Insurance Lafayette Louisiana

Contractors Insurance Lafayette LouisianaWhen you’re looking for better options for contractors insurance in Lafayette Louisiana call the experts at the Jeff Davis Insurance agency at 337-824-4455. 

If it is more convenient please click on Contractors Insurance Lafayette Louisiana to submit your information to us online. 

We offer insurance quotes and coverage the same day for most contractors in the entire state of Louisiana.

Commons Mistakes Made on Louisiana Contractors Insurance Policies.

Engaging in activities not documented on your insurance application. 

For example a contractor named Slippery Pete calls an insurance agency in Lafayette Louisiana and buys a contractor insurance policy explaining to the agency representatives that he exclusively offers interior carpentry services to residential homeowners. 

Slippery Pete signs the insurance application classified as an interior carpenter and a general liability insurance policy for $1 Million is issued based on his statements. 

Eight months later Slippery Pete calls the agency to file a claim for bodily injury. A lawsuit was filed against Slippery Pete because of an injury. 

Slippery Pete was replacing a roof for a customer when a pallet of shingles was improperly placed on the edge of the roof by the contractor and it fell from the roof severely injuring the homeowners’ 11 year old son. 

After the insurance investigation by the claims department a claim denial was issued to Slippery Pete stating that the policy was being retroactively canceled to the effective date due to the fact that they would not have insured the contractor in the first place for roofing operations which Slippery Pete was clearly undertaking. 

A $350,000 judgment was assessed against Slippery Pete and all of Pete’s assets were liquidated to cover the judgment resulting in the bankruptcy of Slippery Pete.

How Do You Avoid Claims Denials for Contractors Insurance in Lafayette Louisiana?

Disclose all activities you are engaged in for your business.  Don’t be tempted to use a contractor classification you know will result in a lower price for contractors insurance in Lafayette Louisiana. 

Any misstatement on your commercial insurance application gives insurance companies the wiggle room to rescind your policy from its inception. 

Call Jeff Davis Insurance When You Need in Lafayette Louisiana Contractors Insurance.

Our licensed representatives will help you choose the most appropriate coverage and business classification for your business no matter if you are a sole proprietor or a contracting business with many employees.

Call 337-824-4455 or click on Contractors Insurance Lafayette Louisiana to send your request to us electronically.

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