Jose R Perez Agency Farmers Insurance

You have General Liability.
That doesn’t mean you’re fully covered.

Most contractors assume their policy protects “anything that goes wrong.”

It doesn’t.

General Liability typically covers:
• Third-party injuries
• Property damage
• Legal costs tied to those claims

What it doesn’t cover is where most get caught:
• Your own faulty work
• Employee injuries
• Professional mistakes or design errors

That gap is where claims get expensive.

And most only find out after something goes wrong.

If you think your policy covers more than it actually does, you’re not alone. But that assumption is risky.

Read the full breakdown before you find out the hard way. Link in bio.

Every Illinois Workers’ Comp policy includes three statutory limits.

Most business owners assume that’s enough.

It’s not that simple.

Those numbers get tested quickly in serious claims, and the difference isn’t the limits themselves. It’s how your policy is structured around them.

Most don’t find that out until they’re already exposed.

Do you actually know your limits without checking?

The sun is out. Your concrete still isn’t safe.

Chicago nights are still dropping below 40°F.
That means your pour from this morning can fail overnight if it’s not protected. You’re not just risking delays. You’re risking structural failure and liability.

And here’s the part most ignore:
Insurance won’t save you from preventable mistakes.

Spring isn’t “safe season.”
It’s when expensive assumptions start. If you’re building right now, you need to think like it’s still winter at night.

If your coverage hasn’t been reviewed for spring conditions, you’re already behind. Let’s fix that.

This surprises homeowners all the time.

Your home’s market value has very little to do with what it costs to rebuild after a fire.

- Materials are up.
- Labor is up.
- Permits are up.

If your home is underinsured, you could owe thousands out of pocket just to restore it.

We don’t guess rebuild numbers.
We calculate them properly.

📩 Message us and we’ll review your dwelling coverage.

This surprises homeowners all the time.

Your home’s market value changes when you have to rebuild after a fire.

- Materials are up.
- Labor is up.
- Permits are up.

If your home is underinsured, you could owe thousands out of pocket just to restore it.

We don’t guess rebuild numbers.
We calculate them properly.

Message us and we’ll review your dwelling coverage.

Contractors deal with risk every day.
But many claims don’t come from accidents.

They come from insurance mistakes.

Things like:

- Choosing the cheapest policy without reviewing coverage
- Not updating policies as the business grows
- Misclassifying workers or subcontractors
- Assuming General Liability covers everything
- Skipping regular policy reviews

These gaps often stay hidden until a claim happens. And by then, it’s too late.

We broke down 5 of the most common insurance mistakes contractors make — and how to avoid them in our latest blog.

If you’re preparing for a busy construction season, this is worth a quick read.

🔗 Read the full article through the link in bio.

Job sites move fast and so can problems.

A few common examples:

- Paint spills on a client’s hardwood floors
- An extension cord becomes a tripping hazard
- A simple complaint turns into legal paperwork

That’s where General Liability insurance comes in. It helps protect contractors when accidents happen on the job.

But it doesn’t cover everything.

• Employee injuries fall under Workers’ Comp
• Some workmanship issues need extra endorsements
• Tools and equipment usually require separate coverage

Knowing what your policy actually covers matters.

📩 Message us “CONTRACTOR” for a quick coverage review before a claim does it for you.

Workers’ Compensation protects employees when they’re injured on the job. It also protects the business from the financial fallout.

A helper falls from a ladder. Broken wrist. Medical bills. Time off work.

Without Workers’ Comp, that cost doesn’t disappear. It lands on the employer.

In Illinois, if you have employees, this coverage isn’t optional.

When was the last time someone walked you through what your policy actually covers?
Comment REVIEW, for a free policy insurance review or call us at 312-850-0005