Unless you’re one of the seven dwarfs who dig, dig, dig, dig, dig, dig, dig in their mine the whole day through, you need to take some important steps before you or anyone starts any construction project on your business’s property.
A labyrinth of underground wires, gas lines and pipes can exist below the property—and even the smallest hole (for a fence, mailbox or landscaping) can cause a disruption of service if you don’t know where these utility lines are located. That’s why you should Call 811 (call811.com), which will send someone to mark the approximate location of your underground lines, pipes and cables that are buried around your business before you start any construction project.
Did you know that a utility company that provides a service is not responsible for all the damage and repair needed to maintain the electrical lines or pipes that are on your business’s property? Furthermore, there isn’t insurance coverage for either your business or any contractor you may call to do the work that will cover the cost of repairing damaged utility lines.
While there isn’t insurance coverage for utility lines, there are plenty of insurance coverages for your business. We are happy to review your business’s insurance policies (e.g., commercial liability, business property damage and business owners policy, etc.) to make sure you have the best coverage for your business’s needs.
And, don’t forget: If you are making improvements to your business, you may need to update your current coverage limits. We also can discuss the types of policies the contractors you hire should have before you start the project.
Before you start a construction project at your business, there are two calls you need to make: The first is to Call 811, and the second is to our agency to make sure you have all the proper insurance coverages in place to protect your business.