(623) 773-9232 info@aawiinc.com

Top Reasons Why General Contractors Get Sued

As a General Contractor, you confront risky deals everyday. Your employee’s can get hurt, your clients property can get destroyed and you can get sued! Don’t take your business too lightly. Find out how you can protect yourself and your business from hefty liabilities.

1. Breach of Contract

The typical causes of action from a building construction contract against a licensed building contractor are breach of contract for the contractor’s failure to respect the terms and conditions.

This can include:

    • Breach of implied and express guaranties of fitness
    • A petition to remove an unnecessary lien for defects with the recorded contractor’s lien on the property
    • Carelessness for the contractor’s work not meeting up with industry expectations
    • Strict debts for substandard construction regardless of the contractor’s valid reason
    • Fraudulent activity from the contractor’s misrepresentations to the property owner
    • Indemnity for the money the general contractor owes to his subcontractors .

Construction defect occurrences are tough and require specialists to prove a homeowner’s claim against the person carrying out the work of development which was improperly done. Given the requirement for experts at trial and the complicated nature of a construction defect case in which destructive testing ( setting up walls of a home for instance ) is needed, and proving the failure of the work is not meeting industry expectations or present building code or rules, a qualified lawyer in this field is a must.

2. Employer vs Employee Conflicts

Many workers quit and then sue their bosses, as a result of a lack of clarity of what exactly is expected from the worker. Workers seek legal guidelines when the hours, the pay, the tasks, or other conditions are not clear. They apparently really feel exploited when the scope of their responsibilities surpasses the standards that were established during the orientation.

Companies need to be very clear as to what exactly is expected of workers from the very beginning when the job relationship is established. For some reason or other workers usually feel mistreated whenever their specifications and actual responsibilities are conflicting. Employee’s quitting or thinking of laying off usually seek legal advice once they feel they have been mistreated, and even though there might not be a basis for a legal action on the grounds that the worker feels mistreated, an expert lawyer knows what questions to ask and a lawsuit might result.

Some Common Employer/Employee Conflicts Include:

Terminating any worker who takes a leave of absence Implementing a “use it or lose it” vacation policy and also avoid paying out all the money at end of contract Inherently Dangerous Work To protect yourself from these Employer/Employee conflicts get Worker’s Compensation Insurance.

How General Contractors Can Protect Themselves from a Lawsuit

With all the complexities of business law and finances, be sure to follow the following steps to protect your business from legal action and financial loss.

  • Trademark Infringement Lawsuits
  • Separate Yourself from Your Business
  • Appoint a Competent Attorney
  • Protect and Secure Your Business Files
  • Get Business Contractors Insurance

Essentially, contractor’s liability insurance provides protection to the business proprietor against problems that can arise from a lawsuit against his or her company. To start with, insurance covers damages should they be awarded to a third party over possible injuries or damages in which the contractor has been deemed responsible. This consists of loss of property claims. However, liability insurance will take care of the expense of lawyer fees, investigation costs, court fees as well as other legal expenses entailed during the course of litigation, should any occur. Thinking about how fast, and how high, these kind of expenses can add up, a contractor working without insurance plan could easily end up in bankruptcy court simply to settle up the legal charges. The hard truth is, in fact, that these types of fees can increase even in cases by which it is eventually decided that the contractor and his or her enterprise are in no way at fault.

Both of these factors are the two important elements of any contractor’s liability insurance policy. Basically, those two elements cover both payment of damages on the insured’s behalf and all legal charges arising from the lawsuit and subsequent defense against it.

A contractor might find himself on the business end of a lawsuit for any number of factors, but most occur from one of three broad classes of “legal wrongs.” Criminal acts on the part of the contractor might also play a role in civil cases further along in the legal procedure. Financial rewards are usually given as remedies. A typical illustration of this would be fraud, for example, in which a contractor willingly defrauds a client. While fraud involves criminal liability, this also can be addressed in civil court whereby the victim may sue for monetary damages.

what is personal auto insurance?

Purchasing your auto insurance through All American Western Insurance is a smart, effective way to protect you at a very affordable cost. By selecting the best policies from the nations top insurance carriers aawiinc.com is able to deliver coverage that represents the greatest value for you.  You can obtain an ONLINE QUOTE, or call (623) 773-9232 today to find out more about the extensive insurance programs offered by All American Western Insurance to reduce premium cost and risk. 

Auto Insurance Basics

Every car owner understands that they need car insurance before they set out on their next big adventure in their new car. But why is having car insurance so important? The answer lies within the basics of insurance policies. Here’s a little insight into the details behind your policy.

  • Basic coverage packages understand the little mistakesAll American Western Insurance works directly with the insurance agents who cover newly purchased vehicles. Whether you have a particular insurance company you want to work with, or if you’re just looking for the best-priced option, you can rest assured that all the little things which can go wrong with your car are covered by our policies.
  • Not all packages are created equal. While general packages will cover things like basic liability, many who are new to insurance or who are hoping to switch up their coverage have a hard time understanding exactly what their insurance covers.
  • Comparing quotes is a necessary step in the process. If you’re doing this step on your own, you must make sure that you select the same deductibles, coverages, and other additional services for each quote you get. When you do get a quote, you must also double-check to see that it adheres to local laws. The whole process can be exhausting if you don’t know what you’re doing.

Knowing even a few facts about what you need to do prior to getting an insurance policy can make the process of getting that policy much simpler. With the assistance you get from All American Western Insurance, getting personal auto insurance for your car has never been easier.

What happens if I don’t get personal auto insurance?

Auto liability insurance is required by law in order to operate a car. Each car you see on the road should ideally have the essentials of coverage when it comes to auto insurance. Although punishment for not having insurance varies from state to state, they can range from steep fines to license suspensions.

But perhaps the worst consequence is this: If you are driving without auto insurance and get into an accident, you could be paying for a new car completely out of pocket. If someone crashes into you and you are uninsured, you run the risk of not being covered by their insurance.

If your vehicle is not currently insured, mitigate your risk today by contacting All American Western Insurance and ask us some questions about how we can help you get covered.

What is the difference between full coverage and partial coverage of auto liability insurance?

A full coverage policy leaves no gaps in your security unfilled. Regardless of whether you caused the accident, your medical bills, car replacement, and other expenses are covered. While it might seem like a cost-cutter to default to the insurance policy belonging to the person at fault, full coverage ensures that you are covered, preventing you from acquiring only partial coverage if the other person’s insurance policy is not as complete as yours.

There is a caveat, however: Liability insurance only covers damage done by a third party when you are driving. If you plan on only getting liability insurance, make sure that liability insurance covers anyone else driving your car, or set a rule that you are the only person allowed to drive your car!

Why Choose All American Western Insurance for My Personal Car Insurance Policy?

The agents at All American Western Insurance have specialized experience in getting you the coverage you need. Whether it’s business insurance, liability insurance, or personal insurance, we can make sure that you are covered in the event of an accident.

Fill out our free online quote generator today to see how much you can save on your personal auto insurance. Afterward, give us a call at this number (623) 773-9232 to speak to one of our licensed insurance agents about personal car coverage today.