Sandblasting Contractors Insurance Policy Information
Sandblasting Contractors Insurance. Are you thinking about getting into the business of sandblasting contracting? If so, there are a lot of things that you need to take into consideration and attend to before you get your business up and running:
Where the headquarters of your business will be located, what type of equipment you will use, the specific services you provide, the clientele you are going to work with, and the number of employees that you are going to hire are just some of the things that you need to think about. However, there's something else that's just as important as all of these things; insurance.
sandblasting contractors clean buildings, structures, or other objects by shooting a pressurized mixture of abrasive materials, including sand, against the surface of the object. Sandblasting may be used to polish a surface, but most often is used to remove paint including graffiti, finishes, or corrosion from brick or metal surfaces. Typically, sandblasting is done off premises at job sites.
Every business owner, no matter the industry, needs to carry the right type of coverage. But why is insurance so important for sandblasting contractors and why type of sandblasting contractors insurance coverage do you need? Keep on reading to find out.
sandblasting contractors insurance protects your business from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Why Do Sandblasting Contractors Need Business Insurance Coverage?
As a sandblasting contractor, your job is to clean various types of surfaces using heavy machinery that propels abrasive agents. You need to have pinpoint precision to do an effective job, and you need to work in a relatively fast manner in order to get it done on-time. You also have to ensure that all of the techniques that are being used are safe and won't damage individuals or property. In other words, you have a lot of responsibility on your shoulders.
Even though you make every effort to do the best job possible and avoid mishaps, issues can arise. You could accidentally spray the wrong type of abrasive material onto a surface and damage it; an employee could be injured while he's working; someone could sue you, alleging that you didn't do the work you said you would.
Whatever the case may be, you could be looking at very hefty costs if something unexpected occurs. Those costs could be crippling and could damage your entire business if you have to pay for them out of your own pocket. That's why it's so important to invest in the right type of sandblasting contractors insurance. When the unthinkable happens, your insurance provider will help to cover the expenses so that you aren't left footing the bill.
What Type Of Insurance Should Sandblasting Contractors Have?
The specific type(s) of coverage you will need depend on the unique details of your business; where in you are located, the size of your sandblasting contracting business; how many employees you have; what type of machinery that you use; the services you provide, etc.
Therefore, to find out exactly what type of coverage you need, it's in your best interest to speak to a reputable agent so that you can make sure your business is well-protected. With that said, however, there are certain types of sandblasting contractors insurance that all contractors will need to carry, no matter what the specific details of their business may be:
- Workers Compensation - Even if you employ a staff of just a handful of people, you're going to need to carry workers' compensation insurance. Should an employee become injured while performing a service, this type of coverage will help to pay for the cost of his or her medical care; it will also assist with paying for any wages that he or she may miss while recovering.
- Commercial General Liability - You will also need to invest in commercial general liability insurance. This type of coverage protects you from any third-party bodily injury or property damage claims. For example, if you damaged a client's property - even if it was accidental - this type of insurance will pay for the repairs, as well as any legal fees that may arise if a lawsuit is filed against you.
- Commercial Equipment - The equipment you use to perform your sandblasting services isn't cheap, so you want to make sure that it is properly protected. With commercial equipment insurance, if your gear is stolen or damaged, whether it's on a job site, in a vehicle, or on the premises of your business, the cost of repairing or replacing the equipment will be covered by your carrier.
- Commercial Auto - You should also invest in commercial auto insurance, as this policy will cover your commercial vehicles if an accident occurs, which your personal auto policy will not.
These are just some of the forms of Sandblasting Contractors insurance coverage that should be considered. The specific type of coverage will vary from organization to organization and depends on a variety of factors; the size of the club and the nature of the activities that occur at the organization, for example.
Sandblasting Contractor's Risks & Exposures
Premises liability exposure is limited at the contractor's premises due to lack of public access. Equipment stored in an open yard may present an attractive nuisance to children and other trespassers. At job sites, exterior sandblasting can be a hazard to passersby, parked vehicles and nearby structures.
The area of operation should be restricted by barriers and proper signage for protection against falling objects, slips and falls. The interaction of sand or other blasting material and the surface it strikes can generate heat and perhaps cause chemical change resulting in fire or explosion. Paint and other material that is blasted off during the operation may contain toxic chemicals.
The silica (sand) contained in the overspray is abrasive to property, and can be severely hazardous if inhaled. The blasting operations are also loud, generating a nuisance hazard. Equipment and scaffolding left unattended at the jobsite are an attractive nuisance, so access by children must be prevented.
Completed operations liability exposures may result from hidden damage to the integrity of the surfaces the insured works on, such as the removal of more surface material than intended. Sand and other blasting materials may enter cracks and weaken the structure. In the case of metals, sandblasting may cause "fatigue" due to the weakening of rigidity. Claims may arise from failure to use the correct grade of sand or other medium, or blasting at the wrong angle or pressure.
Environmental impairment liability exposures may arise from the waste generated in the sandblasting process. Any job will entail stripping away of grime and other debris from the objects cleaned. Allowing waste to accumulate either at the job site or in the contractor's yard could cause a severe environmental impairment situation. The insured must use safe methods to collect, transport, and dispose of the waste.
Workers compensation exposures can be very high. The force of the overspray from sandblasting can result in abrasions and eye injuries. Dust can be silica-based, which can cause incurable lung injury or disease. The particles given off by certain metals can be toxic and cause serious injury. Cumulative exposure to high-decibel operations may result in permanent hearing impairment.
When work is done on ladders, cherry pickers and scaffolds, there is a potential for severe injury or death from falling, being struck by falling objects, or adverse weather conditions. The absence of good maintenance of scaffolds, proper use of basic safety equipment, such as properly installed guards, safety belts, steel-toed shoes, as well as hearing and eye protection, and strict enforcement of safety practices may indicate a morale hazard.
Back injuries, hernias, sprains and strains can occur from lifting and from setting up scaffolding and machinery, and from placing objects to be cleaned or polished into the blasting cabinets at the yard site. Workers may be injured in auto accidents during transportation to and from job sites.
Property exposures at the contractor's premises are generally limited to an office and storage of equipment, supplies and vehicles. If sandblasting is done on premises, fire or explosion potential exists from sparks or high temperatures created by the process. Adequate dust control and cooling are needed. There may be a garage area for vehicles transporting equipment and crew to job sites. Property stored outside may be a target for vandalism.
Crime exposures are from employee dishonesty, including theft of customers' goods. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site.
Inland marine exposures include accounts receivable if the contractor offers credit to customers, contractors' equipment for supplies and equipment taken to customers' premises, and valuable papers and records for customers' and suppliers' information. Equipment may be subject to loss from theft, collision, overturn, and abrasive damage from overspray during operations. Scaffolding left on the jobsite overnight may be vandalized or stolen.
Business auto exposure generally includes driving to and from clients' premises with crew, equipment and supplies. Specialized vehicles, such as cherry pickers, or hauling large scaffolding may necessitate oversized or unsteady loads, with a high potential for collision or overturn. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
Commercial Insurance And Business Industry Classification
- SIC CODE: 1799 Special Trade Contractors NEC
- NAICS CODE: 238990 All Other Specialty Trade Contractors
- Suggested ISO General Liability Code(s): 98705
- Suggested Workers Compensation Code(s): 5213
Sandblasting Contractor Insurance
The sandblasting contracting industry can be quite lucrative; however, there are certain risks that are associated with operating a business in this industry. To protect yourself from these perils, it is absolutely essential for you to invest in the right type of sandblasting contractors insurance coverage; furthermore, you need to make sure that you are carrying enough coverage.
You can find out exactly what type of coverage - and how much - you need by speaking to an experienced insurance broker. One of the best things you can do for your business is protect it with the right insurance.
Small Business Economic Data & Insurance Regulations
Perhaps you have the next great idea for a product or service that you know will appeal to your local area. Maybe you want to contribute to the economic growth of your community. Whatever the reason is, if you're thinking about starting a small business, it's important to understand pertinent information relating to small businesses in the United States; namely economic information and insurance regulations. After all, if you want your small business to succeed, you have to understand the economic trends organizations of a similar size in your area.
Likewise, you want to ensure that your small business is well protected with the right business insurance and that you are in compliance with the rules and regulations that pertain to commercial insurance in your region.
Read up on economic statistics and insurance information that relates to small business owners in the United States.
Small Business Economic Data In The United States
Here's a look at some information that was compiled by the Small Business Association (SBA) regarding the economic data that pertains to small businesses in the United States:
- In 2015, small businesses in the United States employed an estimated 58.9 million American workers, or 47.5 percent of the nation's private workforce.
- Largest shares = fewer than 100 employees. The small businesses that employed 100 people or less had the largest share of employment amount small businesses.
- Employment increased by nearly 2 percent. In 2018, employment amongst small businesses increased by 1.8 percent, which is an increase of 1 percent from the prior year.
- Increase in proprietors. In 2016, the number of small business proprietors increased by 2.3 percent.
- In 2015, small businesses were responsible for creating 1.9 million net jobs. Organizations that employed 20 people or less had the largest gains, as they added an estimated 1.1 million net jobs.
- There were 5.7 million loans that were value less than $100,000 issued by lenders in the United States in 2016. These loans were issued under the Community Reinvestment Act.
- Small business owners that were self-employed at the incorporated businesses that they owned reported a median income of $50,347 in 2016.
- Small business owners that were self-employed at the unincorporated businesses that they owned reported a median income of $23,060 in 2016.
Small Business Insurance Information
In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.
The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.
Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.
According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage. The SBA recommends the following insurance plans for small business owners:
- Commercial Property Insurance: In the case of an unplanned disaster - fire, flood, vandalism, theft, etc. - this type of coverage will help you avoid paying for the damage out of your own pocket. Even if you rent the property, you should still carry commercial property insurance.
- Commercial Liability Insurance: In the event that a legal situation arises - a negligence lawsuit, for example - commercial liability coverage will provide financial protection. It will cover the cost of legal defense fees, court fees, and even moneys that may be awarded.
- Commercial Auto Insurance: If you operate a vehicle for any activities that are related to your business - transporting and/or delivering goods, or meeting with clients - commercial auto insurance is legally required for businesses of all sizes, including small businesses.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Blacksmith & Metal Workers
- Builders Risk
- Building Cleaning & Maintenance Services
- Cable And Satellite TV Installer
- Chimney Sweep
- Contractor Liability
- Curtain Cleaners
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.