As a builder or general contractor working on small jobs, you know you should always have a good risk insurance policy to protect you from the liability that you face. This is where it pays a business much more than it costs to hire an excellent insurance agent; one who knows the ins and outs of policy and how it affects every party involved. The business itself, the owner as a separate entity (if the business is incorporated), the employees and lastly the public are all parties to the insurance that is provided, though not necessarily active parties. This gives employees a wide blanket of security in the knowledge that any injury will be covered, and it allows the business owner to be able to sleep at night without bad dreams.
The simple fact is that you need to purchase the services of a qualified insurance agent that is familiar with the requirements of your state law as well as what is generally necessary for your business. Now, should you keep it (this is another fact of business, that once the contract is finished, they will let the general liability policy lapse, feeling that not only do they no longer need it, they never needed it in the first place), when, and not if, you come upon the incident that shows you why you needed it in the first place, you will generally find that what you have is insufficient. Now, accidents will happen, everyone knows that.
The right training in-house will attenuate and even eliminate most common causes for accidents on the job, but it is nice to know that there is coverage out there for the common man, and that it is easily attainable for the every-day business owner. Contact an insurance agent today.