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Contract Help

Discussion in 'Business Fundamentals' started by DodgePlow, Nov 20, 2003.

  1. DodgePlow

    DodgePlow Member
    Messages: 44

    Hey guys,

    It is very hard right kow for me to GL insurance. My agent told me I had to wait till January, for some reason. I put a clause in my contract that states that I am not liable for any slip and fall accidents. If the customer signs the contract, then I can not be held for any liablilty. Should I add something else or is this fine enough.


    Thanks
     
  2. CPSS

    CPSS Senior Member
    Messages: 334

    Check with an attorney. Without GL insurance your contract is your only defense. It would be worth the money to have an attorney draw up the contract for you. Remember, you can claim all the defenses in the world in your contract and even have the customer agree and sign it, but that doesn't prevent anyone, including the customer from sueing you. You will still have to pay all your legal fees yourself for the defense, which could be in the thousands for even a simple case.

    I'd check with another insurance agent regarding the GL policy. There is no reason in the world why you couldn't add it at any time.
     
  3. BWinkel

    BWinkel Senior Member
    Messages: 103

    There are other things to worry about besides slip and fall accidents. What reason did they give you for waiting until January?
     
  4. DodgePlow

    DodgePlow Member
    Messages: 44

    My agent said I could get it most likely in January because for some reason the insurance company won't offer it until January.
     
  5. BWinkel

    BWinkel Senior Member
    Messages: 103

    I'd suggest you try talking to another independent insurance agent. There are other insurance companies that offer GL insurance. It certainly doesn't hurt to shop around.
     
  6. EIB

    EIB Senior Member
    Messages: 258

    All of my accounts require I have GL. They all have a certification of my GL ins. If it expires they are notified within ten days. IMO, I would not drop a plow without it.

    Also my ins. company would not write my truck ins. with GL.
     
  7. The Boss

    The Boss 2000 Club Member
    Messages: 2,099

    I've never heard of an insurance outfit not able to give GL! I'd try another agent. I wouldn't even think of plowin without it.:eek:
     
  8. UDP

    UDP Junior Member
    from earth
    Messages: 3

    I agree! look else where... they are :sleeping:
     
  9. imasnowpro

    imasnowpro Member
    Messages: 43

    I just found out from my agent Ohio Casualty who I've had for years is getting out of the snow business. Who do you guys use?
     
  10. The Boss

    The Boss 2000 Club Member
    Messages: 2,099

    I have Atalanta Casualty.:waving: