Just wondering what you folks that do structural removals "over the table" do for liability insurance. I am a general contractor and have been using my insurance associated with my construction business as my liability - which is high enough as it is here in Oregon. Afterall, I am opening up a wall, soffit, etc, removing and obstruction or hazard, and putting it all back together again good as (or better than) new.
My insurance company has caught wind that I "do bees" and they are flipping out because they don't know how to "adjust" my policy accordingly. I told them that they should not define this as pest control insurance in addition to construction insurance because I am not utilizing pesticides treatments. I am merely removing something and actually reducing the risk of further damage to the homeowner. So this should just be another construction project in the insurance way of speaking. They are looking into it and trying to find similar examples with their underwriters.
Has anyone else had to deal with this sort of problem and how did they work it out?
My insurance company has caught wind that I "do bees" and they are flipping out because they don't know how to "adjust" my policy accordingly. I told them that they should not define this as pest control insurance in addition to construction insurance because I am not utilizing pesticides treatments. I am merely removing something and actually reducing the risk of further damage to the homeowner. So this should just be another construction project in the insurance way of speaking. They are looking into it and trying to find similar examples with their underwriters.
Has anyone else had to deal with this sort of problem and how did they work it out?