General Liability Insurance
Color Glo franchisees work on customer property at third-party premises — homes, dealerships, offices, marinas, hangars, and medical facilities. General liability is the foundational coverage for jobsite injury, property damage, and completed work claims.
Why Color Glo International Franchisees Need This
Built for Color Glo Franchise Operations
Third-Party Premises Work
Color Glo franchisees perform work inside customer homes, commercial offices, auto dealerships, marinas, aircraft hangars, and medical offices. Every jobsite creates premises liability exposure — if someone is injured or property is damaged while work is being performed, general liability is the policy that responds.
Customer Property Damage
Restoration and repair work on leather, vinyl, plastics, and fabric creates direct exposure to damage claims. If a product spills, flooring is scratched, or a surface is allegedly damaged during or after service, general liability addresses the property damage component of that claim.
Completed Operations
Claims do not always arise during the job. A customer may allege that a restored surface failed, peeled, cracked, or discolored after the technician left. Completed operations coverage within general liability addresses claims that arise after the work is done.
Commercial Client Requirements
Dealerships, property managers, medical offices, and commercial facilities routinely require certificates of insurance and additional insured status before allowing on-site work. General liability is the first policy those clients will ask about.
Common Exposure Scenarios
When Coverage Matters Most
Customer Injured at a Jobsite
A customer trips over restoration equipment while a technician is working inside their home. General liability covers the bodily injury claim, legal defense costs, and any resulting settlement.
Flooring Damaged at a Customer Site
A technician accidentally scratches hardwood flooring while moving around a sofa during a leather restoration job. General liability addresses the property damage claim.
Dealership Property Damage
A commercial dealership alleges that a technician caused damage to an adjacent vehicle or surrounding property during on-site interior restoration work. General liability responds.
Completed Work Claim
A customer alleges a leather repair discolored or failed weeks after the technician completed the job. The completed operations component of general liability provides coverage for this post-service claim.
What to Look For
Reviewing Your Policy
- Per-occurrence and aggregate limits appropriate for mobile, field-based operations
- Completed operations coverage included for post-service claims
- Products liability included for coverage tied to restoration materials and colorants
- Personal and advertising injury coverage included
- Additional insured status available for commercial clients (dealerships, property managers, medical offices)
- Confirm that the mobile operating model, franchise structure, and any aviation or aircraft-adjacent operations are disclosed to the carrier — aircraft and hangar work may require specialty underwriting review before standard GL coverage applies
Review Your Coverage
The Southern Agency helps Color Glo franchise owners align policy limits, deductibles, and exclusions with the real-world risks of mobile restoration operations.
Request a Coverage ReviewThis page provides a general overview of general liability insurance and does not guarantee coverage. Coverage is subject to policy terms, conditions, and exclusions. Purchasing insurance through The Southern Agency does not automatically satisfy all franchise agreement requirements without individual review.
