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Am I Covered? by Patricia A. Ayars Unfortunately, many contractors don't check their liability insurance coverage until there is an injury or property damage on the job. When the contractors do contact their insurer, they are often surprised to find they're not covered. In this era of high jury awards for personal injuries, this could mean the end of a good contracting business. So, it's important to understand the basics of your liability coverage. Let's start by looking at the standard coverage available, using three basic questions as a framework: Who caused the injury? How did the injury or damage happen? Who or what was injured or damaged? Standard Coverage The standard liability policy states that it will: "pay on behalf of the insured all