You never know what could go wrong on a junk removal job. Between personal injuries to damage to vehicles, furniture or even a home, it’s always good to stay prepared.
That’s why LoadUp encourages Loaders purchase general liability insurance well before they even set out for their first junk removal or assembly job.
General liability insurance for Loaders
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Why it’s good to have general liability insurance
Just like you want to be protected on the road with commercial auto insurance, the same goes while you’re out handling junk removal jobs.
Anything from bodily injuries to property damage can happen on any job, so getting the proper insurance protects both you, the business, the home as well as damages.
Purchasing a general liability insurance option often helps put Loaders in the right direction to potentially find ways of getting their own personal insurance, as well as gives you the confidence to make your own business plans. You can also improve reputation, as a good policy shows customers professionalism.
As a Loader, you can also purchase tool coverage to protect your personal gear you use on junk removal and assembly jobs.
Be sure you know what you are purchasing, though. General liability often typically deals with physical risk, while professional liability insurance covers things like errors and emissions a business might potentially make.
Note all the differences📝: While there are differences with all insurance companies, it’s important to understand that general liability insurance and workers compensation are NOT the same thing. The former protects a business from damages caused by employees, while the latter protects just the employee work-related injuries and illnesses.
What general liability should Loaders get?
Since LoadUp employees are contractors with our junk-hauling network, the type of coverage Loaders will find will likely be similar to that of a general contractor. Small business owners typically suggest general liability insurance as it can protect not just the employee but also the business at the same time.
Need somewhere to start? here are three affiliates we recommend.
How much does general liability insurance cost?
Different companies will offer a range of costs for general liability insurance coverage. Yet, a typical general liability insurance for small business, a contractor will pay an average cost around $90/month for coverage, which comes out to around $1,090 per year.
What does general liability insurance cover?
General liability insurance, in a broad sense, protects any business against injury claims, as well, in LoadUp’s case, any customer’s property damage while on the job.
It also protects workers against personal injury, whether its physical or abstract. Libel or slander is an example of the latter.
While general liability is not required by law, if a company doesn’t get coverage it runs the risk of being vulnerable to high-rising costs that can make it difficult to sustain business.
General liability insurance can be confusing, here’s a quick snippet of everything you can get covered when you use one of LoadUp’s suggested insurance affiliates.
- Medical Expenses
- Repairs or Replacement
- Potential Legal/Defense Costs
- Actions by your employees
- Electronic Data
- Advertising Injuries
Typically, types of businesses that buy general liability insurance typically tend to be smaller ones, such as landscaping companies, real estate agents, marketing firms, general contractors and much more.
LoadUp, while unique in our technology-driven junk removal services, still encourages all contracted employees to purchase some kind of general liability insurance, as it can only benefit you in the long run.
What doesn’t general liability insurance cover?
Unfortunately general liability does have its limits when it comes to coverage. There are few scenarios a Loader can find where they may require a different coverage plan. Here are some examples.
- Commercial Auto Accidents
- Employee injuries or illnesses
- Professional errors
Coverage for these specific scenarios can vary from state to state.
Is general liability a requirement to work for LoadUp?
The short answer is no, you do not need to have insurance coverage to be a Loader. While we strongly recommend you purchase some type of coverage, you can go without it.
However, the risk will always be there for personal injury, and costs will have to come out of pocket without coverage.
In our core values, we’re all about putting the customer first. In doing so, we always have to take care of our Loaders.
Purchasing general liability insurance, while not a requirement, protects both you and LoadUp, so you can feel confident on the job while making local neighborhoods a cleaner (and greener ♻️) place to live.
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