Types of Installation we serve
Common questions about Installation
Answering the most frequently asked questions about Installation.
Not under a standard general liability policy. Inland marine or an installation floater covers materials in transit and staged on site before installation is complete, which is when theft most often occurs.
Yes. You remain liable for work performed on your behalf, and uninsured subcontractors typically end up on your policy and your loss history. Collect certificates before work begins.
Product liability may respond where you supplied the item. Damage caused by your installation workmanship is generally treated differently from a defect in the product itself, and the two can be argued in the same claim.
Because they inherit your risk. Most require one million per occurrence with two million aggregate plus excess limits, and additional insured status. New York Labor Law exposure pushes those requirements higher than in most states.
Often yes. Water intrusion, adhesive failure and improper sealing surface long after completion, and the completed operations portion of your general liability is what responds. Confirm you have it and that it continues after a job closes.
Yes, if your business uses vehicles for work purposes, commercial auto insurance is necessary to cover accidents, theft, and damage.
You can lower premiums by implementing safety measures, training employees, choosing higher deductibles, and bundling policies.
A BOP combines general liability and commercial property insurance, covering property damage, business interruptions, and liability claims.
Yes, most states require workers’ compensation insurance if you have employees. It covers medical expenses and lost wages for employees injured on the job.
General liability insurance covers third-party claims for property damage and bodily injury. It’s essential for protecting your business from lawsuits that could arise from your installation work.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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