General Liability Insurance in Slidell, LA
Whether you’re a contractor building homes or a handyman fixing leaky faucets, general liability insurance is one of the most essential tools in your toolbox. It protects your business from third-party claims involving bodily injury, property damage and legal fees—risks that are part of everyday work in the trades.
Who Needs General Liability Insurance?
General liability insurance is a smart investment for many professionals and businesses, especially those interacting with clients, working on job sites or handling other people’s property. They include the following:
- Contractors often manage large projects with multiple moving parts. A single accident—like a client tripping over equipment—can lead to costly lawsuits. General liability insurance helps cover medical expenses and legal defense.
- Plumbers and HVAC technicians work in clients’ homes and commercial properties, where even a small mistake like a burst pipe or faulty installation can cause severe damage. Insurance can help you avoid paying out of pocket for repairs or replacements.
- Handymen and carpenters face everyday risks from drilling into a hidden pipe to damaging a client’s flooring. General liability coverage is a crucial safeguard and shows clients you’re a responsible professional.
- Painters also benefit from this coverage type, particularly for property damage and injury claims. For instance, spilled paint on expensive furniture or a ladder fall can quickly become a legal headache.
What Does General Liability Insurance Cover?
A standard policy typically offers the following:
- Property damage coverage may cover repair or replacement costs if you or someone on your team accidentally damages a client’s property while on the job.
- Bodily injury coverage may help with third-party medical bills and related expenses if someone gets hurt either at your workplace or because of your work.
- Personal/advertising injury coverage may offer financial support if your business is accused of slander, libel, copyright infringement or similar charges concerning your marketing materials.
Where to Get General Liability Insurance
Our experienced team at A Foto Insurance Agency of Slidell Inc. will help you navigate your coverage options with confidence and clarity. Contact us today to schedule a consultation.