Framing Contractor’s Insurance Edmonton

Why do I need Framing Contractor’s Insurance?

• Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
• Protection for equipment breakdowns
• Protection for liability losses due to injury or third-party property damage
• Protection for errors and omissions
• Protection for loss of income due to business interruption and more
• Protection for automobile losses due to accidents and vandalism
• Protection for cyber losses due to data loss, credit card breach and other digital threats

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Framing Contractor’s face unique risks

As a framing contractor the risks you face are unique to you and your insurance should reflect that. Framing Contractor’s Insurance will provide coverage for anything from property damage and injury to theft of tools or damaged product.

Property Exposures:

• Property exposures at the framing contractor’s own location usually consist of office operation, material, equipment, and vehicle storage.
• If the carpenter does woodworking at his shop, there is a heavy fire exposure due to wood dust and storage of flammable varnishes and glues.
• Some framers may have lumber exposure on premises. Often, three-sided structures are used, which have a high potential for wind damage.
• Malfunctioning electrical equipment and even weather can ignite stored wood, putting your property and any tools, equipment, materials or supplies at risk..

Inland Marine Exposures:

• Inland marine exposures centre on the items being transported to and from the job site. If woodworking is done at the shop and then transported, there can be a significant exposure.
• If there is lumber storage and transport, there can be oversized loads. Further equipment exposures develop from the actual use during construction.
• Equipment may be subject to drop and fall from heights or being struck by other vehicles.
• If equipment and supplies are left at job sites there is exposure to crime and vandalism.

Crime Exposures

• Crime may not seem like a significant risk due to the fact that clients most likely pay for their contracts via card or cheque, so cash is not kept on the premises. However, thieves (including your employees) do not need direct access to cash to steal from you. Equipment, supplies and securities are all potential targets for wrongdoers.

Completed Operations Exposures

• Completed operations are an important exposure. The framing carpenter provides the framework upon which others build. Quality control and full compliance with all construction, material, and design specifications are necessary.
• Once a job has been completed, framing contractors can be held liable if their work product causes bodily injury or property damage. Completed operations coverage can help protect a contractor in the event of such a claim.

Equipment Breakdown Exposures

• Framing contractors depend on a variety of equipment to complete work, potentially creating significant equipment breakdown exposures as a result. Moreover, framing contractors can experience business interruptions or even lose contracts as a result of an equipment breakdown.

Occupier’s Liability Exposure

• Occupier’s liability must be taken into consideration. The on-premises exposure is light unless there is woodworking and/lumber storage.
• With outdoor storage comes vandalism and attractive nuisance exposures that must be protected against.
• The fire hazard to the insured also brings potential danger to neighbours.
• Off-premises exposures include the use of saws around the work area and the need to keep visitors out of the way.
• If doing carpentry in existing structures, the insured must be careful about dust collection and scrap removal to prevent fire damage.

Automobile Exposures

• Automobile exposures are limited unless there is the transport of lumber and pre-made items.
• Due to the frequent travel required for framing contractors to reach job sites, commercial automobile exposures are significant. Driver fatigue, hazardous weather conditions and distractions can lead to accidents.
• If employees are allowed to use their own vehicles for work, standard auto policies are often not enough.

Workplace Safety Exposures

• In the event that an injury occurs at a work site, you may be held responsible. A simple misplaced tool or piece of equipment could cause slips, trips and falls that may lead to costly lawsuits or insurance claims.

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Framing Contractors we cover include:

• Self-Employed Framing Contractors
• Commercial Framing Contractors
• Residential Framing Contractors