Is contractor's general liability insurance available for hours worked rather than wages paid?

Answers:0   |   LastUpdateAt:2012-09-19 13:45:24  

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meghann
Asked at 2012-09-19 13:45:24
We are a small general contracting firm in West Virginia and have an opportunity to perform a long-term contract with a governmental agency which will require us to pay prevailing wage rates; approximately 20% higher than our normal wage rates. Is there a general liability company or is coverage available based upon hours worked or type of work performed, rather than wages paid? Our current coverage is based upon payroll and will take a substantial jump in premium with this contract. I realize that we could adjust our premium, but this contract prompted the question about hours worked.
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