Why don’t you have a general liability construction risk insurance policy for builders? Let’s take a look at a hypothetical: you have a service business. In this service business, you have a dozen vans that do on-site maintenance and repair of the air-conditioning units at a computer server company.
As part of the normal needs of this company, a particular room has to be kept below fifty degrees at all times, because of the heat of the servers. Keeping them cool lengthens the life and keeps work stoppages low. Your guys show up, get onto the roof and start their maintenance or repairs for the day. In their work, they open several units and begin. Someone slams a finger, stabs a hand or somehow or other injures themselves.
Now, this is one facet of liability exposure; injury on the job. But the effect following is what should send chills up your spine if you do not already have general liability in place. Because they rushed to the hospital, they left the units open, causing them not to function correctly.
This causes the temperature of the “cool room” to raise; the severs to shut down, and several of their high-profile clients lose valuable time in some critical cases, and you find yourself in a two-way lawsuit; from your employees for unsafe working conditions, and from your (former) client for tons of lost income (especially if the ended up losing that client).