If you do any kind of contracting or construction business in Bryan Texas, carrying appropriate CGL insurance is not only important - soon it will be mandatory.
In an effort to ensure that all contractors taking on certain jobs in the Bryan area are properly insured, you may have to start showing proof of CGL insurance when applying for local building permits for that work.
Fortunately, you can purchase a tailored commercial general liability policy from a local CGL insurance agency quickly and affordably to protect you and your clients n the Bryan area.
New CGL Insurance Law For Bryan Building Permits
Starting January 1, 2022, contractors in the Bryan area will see a new rule pertaining to CGL insurance added to local contractor laws.
After the new year, any building permits required for the work of a contractor will be issued only to those contractors carrying appropriate business CGL insurance.
This new requirement will help to ensure that contractors performing any job that requires a permit are also carrying adequate insurance coverage to protect themselves, their clients, and the public against accidents, property damage, and other issues that may arise relating to the job.
Once this rule goes into effect, contractors without this coverage may not be able to obtain the permits required for their jobs.
Does Your Construction Project In Bryan Require A Permit?
Though not every job that a contractor might do requires a permit and therefore require having a commercial general liability insurance policy from a CGL insurance agency to obtain said permit, most jobs will carry this necessity.
The purpose of local contractor building permits is to control the work being performed, who is doing the work, and ensure that many specifics about the job, location, and contractor performing the work are met so that applicable rules and regulations are being followed.
From this point forward, the big change will be that contractors performing any work that requires a permit be properly insured.
The City of Bryan Texas requires permitting for construction work that includes installing fencing 7 feet in height or more, roofing work, new or replacement masonry, siding, and stucco work, HVAC, plumbing, or electrical installations, new or replacement doors or windows, foundation work, interior or exterior renovations and remodeling, building or home additions, carports and garages, installing insulation, putting in a swimming pool or hot tub deeper than 24”, sprinkler system installation, and many other construction projects.
The full list of construction work that requires a permit and will soon also require proof of CGL insurance can be found here,
Simpler work that does not require permitting includes interior/exterior painting, wallpapering and other finish work, cabinet installation, fencing installations under 7 feet tall, installation/construction of swing sets and playground equipment, and a few others.
Yet it should be noted that just because these jobs do not require contractors to obtain a permit for this work, it does not mean having a good CGL insurance policy is not necessary.
Any contractor or service provider doing any kind of construction work should always have this essential liability coverage to protect all parties involved with the work being done.
Avoid Construction Permit Problems!
Construction contractors in Bryan who are not already carrying CGL insurance will need to remedy this by January 1, 2022 or face the possibility of being denied permits for starting or completing certain jobs.
Rather than dealing with this concern later which could slow down the completion of your projects, it would be wise to speak with an experienced CGL insurance agent today to secure the necessary policy.
The right business CGL insurance coverage will help your business continue to contract new jobs because clients typically look to avoid doing business with uninsured contractors.
