Let’s talk about insurance. One of those boring but necessary topics.
There is no great concern regarding insurance for the signage company that manufactures your signage. But, when it comes to installation, your signage company needs to be properly covered.
If your signage company does not have the proper liability coverage and there is an incident on your property, it becomes your liability!
The common coverage is at least $1M general liability and preferably $2M. They also need to have workers comp coverage.
Let me give you a few first hand examples of why you need this coverage. I have to say that I’ve never seen a sign just fall over for no reason. However, I’ve seen many signs fail in a hurricane. I’ve seen a pylon sign foundation uprooted and the sign land on a car. You know that property owner is responsible but do you think the person who designed the foundation or the signage company that installed the foundation has any liability? You bet!
I once saw a 10’x10’ sign head ripped off a column by the hurricane winds shearing off the mounting bolts. The column was fine but the sign was nowhere to be seen. I found the sign an hour later about a block away from the restaurant sitting in someone’s front yard. In this case, the sign missed any people, cars, houses, etc. But what if it had landed on someone?
I’ve seen hundreds of signs with faces blown out by high winds. Do you realize the damage a large sheet of plastic can cause when slicing through the air at high speed?
One last story… a sign crew was remodeling a gas station and they were spray painting the canopy over the pumps. There was a light wind and the paint overspray landed on a Mercedes parked about 20 or 30 feet away. It ruined the paint job but that was not all. It was a convertible and the top was down. The overspray not only landed on the paint job but also on the interior. Would you believe me if I told you that the owner was a little upset?
Bottom line – verify that your signage company has the appropriate insurance coverage before any work begins on your site. Request a copy of their liability insurance and have you listed as an “additional insured”. This is common and most insurance companies will provide a certificate the same day that they receive the request.