Contact US

Log In

Come Join Us!

Are you an
Engineering professional?
Join Eng-Tips Forums!
  • Talk With Other Members
  • Be Notified Of Responses
    To Your Posts
  • Keyword Search
  • One-Click Access To Your
    Favorite Forums
  • Automated Signatures
    On Your Posts
  • Best Of All, It's Free!

*Eng-Tips's functionality depends on members receiving e-mail. By joining you are opting in to receive e-mail.

Posting Guidelines

Promoting, selling, recruiting, coursework and thesis posting is forbidden.

Students Click Here

Who has general liability insurance?

Who has general liability insurance?

Who has general liability insurance?

I come across a client every few years who uses a boiler plate sub contractor form. One item on the contract, is the requirement that all subcontractors carry general liability insurance.

I contacted my insurance company broker, who said I didn't need g.l insurance because I was not physically on the job....the chances of me causing an accident in my 30 minutes of site inspection time was nil to none.

Fast forward 3 years and now the same insurance broker is saying I need to get it because more and more clients are lawyerinh up
With these boiler plate, cover-every-sub-contractor contacts, that require general liability insurance....regardless if you set foot on the job or not.

Does anyone carry general liability? If so, why? If not, why not?

RE: Who has general liability insurance?

We carry it. $2/$4 mil. We previously had $1/$2 but upping it to $2/$4 cost us $50 a year. It's also a business owners policy so covers theft, electronic damage, damage to premises rented etc. We have a staff and office space. The GL policy is required by our property manager and is a common requirement for our contracts.

Our policy is ~$600 a year compared to ~$35k for our E/O.

RE: Who has general liability insurance?

Everyone that I know caries general liability insurance. In addition to the items listed above, it also covers your vehicles, rental cars, etc.

Mike Lambert

RE: Who has general liability insurance?

I'm not sure about vehicles. If you don't have any corporate autos you can probably buy a "hired / not owned" policy endorsement to cover driving personal cars. Once you have a corporate auto this is generally handled by corporate auto insurance.

Keep in mind I'm not an insurance agent or expert so check with someone who is to verify.

RE: Who has general liability insurance?

Same here. We have it. Covers us in case we do something stupid on a jobsite like back over a control valve or something similar.
Ours also covers non-owned vehicles...meaning if one of my associates is driving his/her car on a jobsite, it covers it.

My CGL costs less than $1000 a year.

RE: Who has general liability insurance?

i have engineers visiting sites and climbing on top of and around buildings routinely. i have this insurance. corporate auto too. i view insurance as a cost of doing business.

RE: Who has general liability insurance?

I also have general liability insurance for similar reasons to what Triangled, Ron, and jdgengineer have said. I can't remember the cost right now, but it is much more affordable than PL insurance.

Knock on wood I have never had to use the insurance. I was on the roof of a building with a client once, when a gust of wind blew our ladder down and it landed on someone's car parked close by. Luckily it was just a car and not a person that the ladder landed on, and luckily the ladder in question belonged to my client and not me, so his insurance covered the damage to the bystander's car. I assume this is the type of thing that a general liability policy would cover.

p.s. Lesson learned, I always tie off my ladder to the gutter now if there is one available.

RE: Who has general liability insurance?

I get the same request. I just send them my PL binder and it usually keeps them happy.
I don't carry GL or WC. The chance of me causing a problem on a job site is about nil and I am willing to take that risk.
I figure between my auto policy, my PL policy and my own pocket, I am covered.

RE: Who has general liability insurance?

My first client was a multi state contractor and corporate required that engineering vendors carry a $1 million GL policy (naming contractor as additional insured) and a PL policy. The GL is fairly inexpensive ($400 a year).

RE: Who has general liability insurance?

Quote (joehvac)

My first client was a multi state contractor and corporate required that engineering vendors carry a $1 million GL policy (naming contractor as additional insured)

My policy won't even let me do "naming contractor as additional insured". It is a ridiculous request that forces them to essentially sue themselves.

RE: Who has general liability insurance?

It's a pretty common request in contracts to have the client named as an additionally insured in GL and auto policies. Typically, you don't add additionally insured to you PL policy.

Red Flag This Post

Please let us know here why this post is inappropriate. Reasons such as off-topic, duplicates, flames, illegal, vulgar, or students posting their homework.

Red Flag Submitted

Thank you for helping keep Eng-Tips Forums free from inappropriate posts.
The Eng-Tips staff will check this out and take appropriate action.

Reply To This Thread

Posting in the Eng-Tips forums is a member-only feature.

Click Here to join Eng-Tips and talk with other members! Already a Member? Login


Low-Volume Rapid Injection Molding With 3D Printed Molds
Learn methods and guidelines for using stereolithography (SLA) 3D printed molds in the injection molding process to lower costs and lead time. Discover how this hybrid manufacturing process enables on-demand mold fabrication to quickly produce small batches of thermoplastic parts. Download Now
Design for Additive Manufacturing (DfAM)
Examine how the principles of DfAM upend many of the long-standing rules around manufacturability - allowing engineers and designers to place a part’s function at the center of their design considerations. Download Now
Taking Control of Engineering Documents
This ebook covers tips for creating and managing workflows, security best practices and protection of intellectual property, Cloud vs. on-premise software solutions, CAD file management, compliance, and more. Download Now

Close Box

Join Eng-Tips® Today!

Join your peers on the Internet's largest technical engineering professional community.
It's easy to join and it's free.

Here's Why Members Love Eng-Tips Forums:

Register now while it's still free!

Already a member? Close this window and log in.

Join Us             Close