Category: Short Term Liability

Short-term liability insurance offers adequate protection when conducting scheduled services that won’t take long to complete. Consider some situations that warrant carrying this type of insurance coverage.

Contractor Jobs

A business contractor typically handles jobs of varying levels of complexity. Each job may not take long. The circumstances of an independent contractor’s work may change so often that their insurance needs to change, too.

Obtaining short-term liability protection offers contractors a flexible way to customize the insurance coverage that is needed. They can base the coverage on the actual job they will be performing and the type of setting where the work will take place.

Liability protection will cover tools and equipment used from the onset of a contracting project. It will also cover accidental injuries and damage to property used at the location where contracting duties are being executed.

Remote Jobs

Photographers, wedding planners, and caterers are some examples of professionals who often perform work duties in remote locations.

Because job duties and settings change each time a new job is done, a professional’s liability concerns will likely change, too. A short-term liability protection plan will cover damage and injuries in each work setting.

Professionals can acquire short-term coverage whenever they are planning to schedule a new job. The coverage will protect against unforeseen events resulting in property damage or injury to a person.

Get Insurance Advice on Short-Term Liability

Meet with one of our agents who serves Houston, TX. An agent from City Centre Insurance Agency LLC will inquire about the types of jobs that you are typically hired for. After determining your risk level, they will formulate a short-term liability plan to protect your best interests.

Probably the best thing about short-term liability insurance is that you can choose when you need it and when you don’t. For some business owners, liability insurance isn’t always a requirement, and there are some professions in the Houston, TX area that benefit greatly from this insurance policy. 

Benefitting From Short-Term Liability Insurance

1. Personal Trainers

Like other professions, personal trainers can work all year, but there are times when they may not be actively training clients. Once clients learn the best ways to improve their health and exercise regimens, the need for a trainer is reduced. Personal trainers who take on new projects for a temporary time find short-term liability to be easy to manage until the contracts have ended. 

2. Building Contractors

Not all building contractors work full-time, or they decide to take on projects periodically throughout the year. Short-term liability allows them to be covered for exactly how long the project will last and gives them the protection they need without having to pay for a full policy when they do not have active projects. 

3. Landscape Contractors

Once the weather starts to cool down, the demand for landscape projects will start to subside. For landscape contractors, short-term liability insurance is ideal because they can adjust it to match the seasonal demand. 

4. Contract Nurses and Caregivers

There are some health specialists who take contract positions, being caregivers for recovering patients in their homes. These assignments are always temporary, ranging between weeks and maybe a couple of months, so these contract nurses can be covered with liability protection while they are assisting these families. 

City Centre Insurance Agency LLC Is Here To Help

There are other small businesses that can take advantage of short-term liability insurance in the Houston, TX area. Contact our agents at City Centre Insurance Agency LLC today for more information.