Hiscox not covering our work

Psssh!!! I’d be shocked if I discovered you’re not a Facebooker haha.

Ok hold up a sec guys.

I contacted a few insurance agents and brokers about the CCC coverage. Every one of them said basically what @Ikii is trying to point out, CCC comes in to play when you physically take temporary possession of property.

For example as a window cleaner it makes sense to have it as I’m going inside their residence and if they are not there I am in the control of the property. If it is damaged under my control then I am covered.

They all told me PW is different, you are doing a service on the outside and not physically in control of the premises. Regardless I asked it to be added to my policy so it would come into play with WC.

I don’t know what part of a policy would cover defective workmanship.🤷🏼

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Amen.!!

If by defective workmanship you mean in ur part, something u did?
If that is the case the client will ask you to be bonded.
But that is mainly for big contracts not for homeowners

Yes that’s correct, but doing something you are supposedly ‘skilled’ in doing as part of your profession. For example I’m skilled enough to know you don’t razor windows with tempered glass debris, knowing full well it will scratch.

Bonding does seem to be for ‘prepaid’ contracts and comes into play if you are unable to complete the job.

Just smh

Yes - work you are there to do and make a mistake doing. That is how Hiscox explained it to me - if you mess up with the work you are being paid to perform, that is not covered by GL.
I did get some good news though - yesterday I got a quote from Harbortown Insurance for GL (1m/2m) AND E&O (25k/50k) for under $100 a month. They said they would cover both Handyman as well as Pressure Washing. :smiley:
Now if I can get my truck to pass emissions I will be ready to clean again.

Wow… muted?

Thats all u have to say?

We talked about this in the past

Here is another…

And this

One last thing.
If you have it written down from them, save it.
Cause if you have a claim and they come back to you saying that they dont cover it.
Now you have proof and it goes againt their E&O

It sounds like they want you to admit guilt without any evidence or investigation.

The home owner didn’t contact you (I assume) with a complaint, you had no chance to verify the damage. If it was pre-existing-work related-or done by someone else. To wait a year and then demand restitution, sounds like if you went to court you would have a solid case.

Good luck. Keep us informed.

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A training policy? :rofl: :joy: :rofl: :joy:

All quiet on the western front

I guess this subject is settled at last.

Still just SMH

I’m pretty certain everyone is just trying to not make an issue here…why do you feel the need to keep bumping the thread to troll someone to respond… and did I just fall for it? :thinking:

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but at least I wasn’t the only one… :rofl:

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As soon as I hit enter I was thinking “I’m to old to fall for this troll/petty stuff” but I’m apparently not lol. Wish there was a do over to just leave him hanging, but I’m sure it’s coming. Snow coming tonight. Stay warm

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snowing now…but only maybe 1-3 inches up here…it may shut the state down, but we’ll have to wait and see…lol I’m just happy we finally got the last Christmas lights down and stored today :smiley:

Who was right and who was wrong? Asking for the people that find this thread and get confused.

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I have a rider on my GL policy called “products and completed operations” that specifically covers any product I might sell or service (completed operations) that I perform up to a certain amount. It’s expensive and doesn’t cover much (50K I believe). However, it doesn’t cover negligence, and requires me to document that I use “Industry standard and accepted practices” Whatever that means