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What is Architectural Glass & Metal Technician Insurance? 

Architectural glass and metal technician insurance is described as commercial liability protection in case of lawsuits arising from bodily injury or property damage. Any type of faulty installation or negligent construction work on a commercial building can have severe consequences.   Should a lawsuit arise due to a loss, architectural glass and metal technician insurance is meant to offer financial protection. 

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What Are the General Liability Insurance Needs of Architectural Glass & Metal Technicians?

Many homeowners and business owners throughout Ontario Canada have architectural finishes such as skylights, display cases, windows, store fronts and glass building exteriors. At the same time home and business owners are becoming more savvy when looking for a architectural technician and may request proof of insurance or WSIB coverage before they sign a contract or let you on their premises. . We receive numerous calls from contractors who are looking for insurance coverage because their clients or general contractors subcontracting them out are requiring proof of insurance before starting a job.

What is Architectural Technician General Liability Insurance?

Architectural glass and metal technicians, just like painters, plumbers, electricians, masons, flooring contractors, renovation contractors, HVAC technicians, window installersfence and deck contractors, roofing contractors, and concrete contractors are all contractors who have a duty of care to their client. client's premises and are at risk of being sued. This duty of care ensures that no harm or damage results to persons or property as a result of the contractors actions or inaction. In tort law, if a architectural technician does not fulfill their duty of care responsibilities while working on a building, the contractor is at risk of being sued for negligence.  If a faulty installation causes collapse, fire or injury a glass and metal architectural technician is likely to be sued. Contractors insurance is designed to protect architectural technician businesses from damaging lawsuits relating to negligence or improper work. General liability could mean the difference between forced liquidation and remaining in business. 

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What are the Costs of Contractor Insurance?

Every architectural glass and metal technician has an obligation to ensure he or she is getting the best price for commercial insurance. For some small-business owners, they avoid being properly covered because of reasons of yet another cost of doing business. Unfortunately, many technicians only choose to get insurance protection when a problem with one of their jobs arises. This is a common mistake that I want to insure I can make sure doesn't happen to you. I hope that I can put you at ease by letting you know that architectural technician insurance doesn’t have to break the bank and it is my goal to have proof of commercial insurance in your hands within a few hours.

However, the premium for architectural technician liability insurance policies can vary from technician to technician due to the variety of types of contractors in this class of contractors. Typically, our liability, tool, loss of income, equipment and installation floater package start at $725/year for $2 million in coverage. This packaged rate will assume that you are a contracting business that provides exclusive sub-trade type of contracting work and have gross annual receipts of less that $2,000,000 a year. Please keep in mind that your price will also depend on your history and experience as a technician, business contracts, company size, ownership of stock, buildings, contents and tools. For more information about the factors that can affect your cost of insurance as a contractor, check out the: "How much does contractor insurance cost?" page. 

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When Should Architectural Glass & Metal Technicians Get Contractors Insurance?

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If you are working as an architectural glass and metal technician in the province of Ontario, you should get a comprehensive appliance installation and repair insurance policy that covers your tools, legal expenses, and liability for property damage and bodily injury coverage. I am asked, what is the most appropriate time to get covered as an independent contractor? I recommend that sooner is better than later. A contractor engages in a level of risk each time he or she works on a job. With that being said, one shouldn't wait to get architectural glass and metal technician insurance liability insurance. Get it as soon as you can.

How Long Will it Take to Get Architectural Glass and Metal Technician Insurance?

Before you’re able to get general liability insurance for your architectural glass and metal installing business, I will first need to qualify that you fit into our underwriting criteria. After you complete your request for a quote, I will call you to collect all of your experience in the field of repairing/installing architectural glass and metal, business insurance history as a technician, installation floater details, contractor tools, WSIB information for any employees you may have, review liability limits and deductibles, review business interruption coverage needs, commercial locations that you rent/own, locations that you occasionally rent for our tenant's legal liability coverage and the need for liability for non-owned auto coverage. If your commercial coverage needs falls into one of our extensive contractor packages, I could have coverage bound for you in as quickly as 20 minutes. 

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The Risks In Being a Architectural Glass & Metal Technician

As an architectural glass and metal technician, you face a wealth of risks. You may feel that you provided superior work for your client but that doesn't meant that you won't be sued for "neglicence" causing property damage or bodily injury.  If you unknowingly damage the clients property or the architectural glass and metal installation causes a problem at a later date, you may be deemed responsible. 

 It is best business practice to close the gaps in risk for your architectural glass and metal repair/installation business. Don't delay. Click "get a quote" and provide some details about your business so I can reach out to you and ensure you are properly covered today! 

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