Premise liability insurance protects property owners from liability for damage or injury that occurs on areas of their property that are not under the care, custody and control of the contractor. If a slip and fall occurs, the claim may not be covered by the contractor’s insurance and the property owner would be liable. Premise liability insurance can be purchased separately or may be included as part of the property owner’s home insurance policy. Before beginning construction, property owners should ensure that both they and the general contractor have the right type and amount of insurance coverage, including:

• home owner’s insurance
• premise liability insurance
• contractor liability insurance
• builders risk insurance

If you are a contractor, for more information about contractor liability insurance, or to purchase a policy, contact a licensed insurance broker.

								
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