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.