Can a Construction Company Be Held Liable for Auto Damage?

Contractors who work in road and highway construction know that safety is paramount. Not only are they responsible for safety within the work zone, they’re also accountable for protecting the traveling public as well. Barricades, signs, and other devices are employed to help direct drivers and pedestrians around or through the work zone. The last thing a foreman or project manager wants is a complaint from a citizen saying, “Construction debris damaged my car.” It’s worth examining your approach to risk management to see if you’re protected from such a claim.

What Risks Should Be Considered?

Some construction work risks may be obvious to you and you purchase coverages such as workers’ compensation and professional liability to address them. Other potential claims may arise from the following:

  • Collisions with construction vehicles
  • Windshield damage from gravel
  • Falling debris and other materials
  • Tire damage from construction materials and debris
  • Paint chipping
  • Accidents from poor traffic control

These are just some of the risks you need to consider when thinking about purchasing insurance coverage.

Will I Really Be Liable?

Each situation will be analyzed on a case-by-case basis. Contractors have to take precautions to prioritize the safety of drivers and pedestrians. Talk to an insurance provider who can help you put together a plan that addresses all your exposures. 

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