Are You Covered?
Monday, May 19, 2014
We understand, accidents can happen. In the past few weeks, we've received phone calls and have heard of several misapplications in the field. Many applicators are surprised to find out that their insurance policy covers incidental damage to adjacent properties, but excludes damage to the customers' property.
If you are not sure whether or not you're covered, check with your insurance provider. Most general liability policies exclude damage to the property you perform work on, but there are options. Many providers offer professional errors and omissions coverage which could cover damage to these target properties.
In addition to checking on your insurance policy, we also encourage you to develop a response plan in the event of an error. Be sure to document the mistake. Take photos and learn as much as you can about why the mistake occurred. Inform your staff about the error, not to point the finger at the one responsible, but to use the error as a learning tool. Know who will contact the customer and how that contact will be made. Finally, and just as important as all other steps, know how you will remedy the situation.
Not sure how to fix the situation? Utilize the resources at your disposal. Contact your local extension agent or if it was a misapplication of a certain product, contact your sales representative.
Of course, the best coverage is to take every step possible to eliminate mistakes! Be sure that your staff is properly trained and that they understand the appropriate policies and procedures.