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Experience We have been providing quality insurance for all types of rural and farm business including Custom Harvest insurance for over 25 years. We are an Agribusiness firm and no risk is to small or to large. We insure long haul trucking, cargo, home, auto,Farm Owners, Feed Mill and Elevator coverages. We also are an excellent source for life insurance, health insurance, annuities, IRA Accounts. Knowledgeable Staff Every person in our office knows how to serve your account. Competitive Rate We strive to provide quality insurance at reasonable rates. Availability We can be reached 24/7 via telephone, fax, E-mail, or our website. We want to be there for you. Meeting Your Needs We cater to the Agri Business at every level of production and service. forage, We insure Custom Harvesters of all small grain and cotton and you will get the same attention if you run 1 or 20 machines. If you are a farm owner we can insure your home, auto, crops, and machinery. If you own an Elevator, or are involved in agribusiness of any kind and we can help you with your risk management needs. We are able to do all types of confined animal insurance, hogs, feed lots, etc. . We have great irrigation rates for center pivots. If you need any agri business protection check us out. Customer Support We sponsor and attend safety meetings to provide a safe worksite. Rodgers & Associates Team Rodgers & Associates is committed to being one of the premier independent insurance agencies in Phillipsburg, Kansas. Our commitment is to provide customers with the best insurance value and service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the public. From Phillipsburg, Kansas we serve clients in North Dakota, South Dakota, Minnesota, Iowa, Nebraska, Oklahoma, Texas, Tennessee, Missouri and Colorado. Rodgers & Associates is a general independent insurance agency with a broad range of Commercial, Personal, Life, and Health products. We’ve aligned ourselves with some of the finest carriers to deliver these products to you. Established in the summer of 1970 as a one-man operation, Rodgers & Associates has grown to one of the premier insurance agencies in the Great Plains States. From our location in Phillipsburg, Kansas we serve middle America. Rodgers & Associates is currently owned and operated as a corporation and has over three decades of service history.
Does contractor's insurance cover removing of undamaged property?
An electrical contractor runs miles of wiring through what will be a three-story office building. Following completion, the contractor tests the wiring, Rodgers and Associates, KS, Electrical wiringfinds it satisfactory and leaves the job. After other subcontractors hang and paint the walls and do other finishing work, the general contractor tests all systems. This time, the electrical system fails. The GC summons the electrical contractor back; after more testing and diagnosis, the contractor concludes that there are faults in two segments of the system on different floors and adjacent sides of the structure. Fixing the problem will require tearing out the finished walls and a few appliances attached to them (a dishwasher in an office kitchen area, computer network equipment, etc.). Tearing these things out, repairing the faulty wiring, and reinstalling the walls and finishing them so they look flawless will cost much more than simply fixing the electrical problem. The cost is far beyond what the contractor can afford to pay out of pocket. Will its Commercial General Liability insurance help? The answer depends on the state where the building is located. The ISO CGL policy covers the insured contractor's legal liability for physical damage:
  • To tangible property, including all resulting loss of its use, or loss of use of tangible property that is not physically injured; and
  • Caused by an occurrence, which is "an accident, including continuous or repeated exposure to substantially the same general harmful conditions." In addition, the policy states that it does not cover the insured's liability for property damage:
  • To work or operations the insured performed or which a subcontractor performed on the insured's behalf, if the damage arises out of any part of the work and it occurs after the work's completion; and
  • To other tangible property that is unusable or less useful to the owner because it includes the insured's work that is known or thought to be defective, deficient, inadequate or dangerous, if fixing the insured's work will restore the property to usefulness.
Some courts have ruled that the CGL policy covers the cost of tearing out and reinstalling undamaged property when that is necessary to fix the defective work. A 2002 federal appeals court ruling in a Washington state case said that the removal and destruction of other subcontractors' work due to the insured's defective work is property damage, as the CGL defines the term. The court also said that the insured's performance of defective work met the policy's definition of "occurrence." A 2010 decision from Washington state reached a similar conclusion -- unintentionally providing defective products to an installer was an "occurrence," and removal and replacement of other suppliers' products and work was "property damage." Courts in Alaska and Oklahoma have ruled that the policy provision that excludes coverage for unusable tangible property did not apply because of a second provision that gives coverage back for loss of use resulting from sudden or accidental injury to the insured's work. The courts felt that installing defective components was done accidentally. Conversely, courts in Arizona, Maryland and South Carolina have held that tearing out and replacing undamaged property is not physical damage caused by an "occurrence" because it is not an accident. Rather, the courts saw it as a cost associated with a project. Since the courts differ so much from one state to another, it might be helpful for a contractor to know in advance what a particular state requires. The contractor's insurance agent might also know which insurance companies have a history of paying for these types of claims. The contractor could find that it is worthwhile to buy coverage from these companies even if they charge higher premiums.
Kimberly Beach
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