Constructing the ideal insurance coverage.
Contractor insurance designed to best fit your needs.
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Contractor insurance isn’t one-size-fits-all. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.
Coverage for every type of contractor.
A specialty contractor insurance policy is an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage you don’t need. There are a variety of options available depending on what type of contracting work your business does. From general contractors to HVAC technicians, plumbers, carpenters, electricians, painters, and the like, specialized contractor insurance can ensure your business has the right level of coverage.
The benefits of general liability for contractors.
A good policy includes general liability that covers you against claims of damage or injury caused on site or to visitors on your own premises. Such costs can be immense and general liability insurance is often mandatory if you want to bid for government contracts.
Protection for the equipment you use.
You should also make sure that you protect your stock, machinery, and equipment against damage or loss from fire, theft, flooding, and other risks, both on-site and off-site. Just as importantly, you need to have insurance coverage against loss of income if you are unable to carry out work because your equipment is damaged.
Common coverages that you should have to help protect your business:
- Workers’ Compensation
- Automobile
- Property
- Professional Liability
- Directors & Officers
- Employment Practices Liability
- Pollution Liability
- General Liability
- Risk Management
- Loss Control
- OSHA Compliance & Reporting
- Claims Cost Containment
- Mod Analysis
Coverage for your employees.
Remember also to get workers’ compensation insurance, which is usually mandatory and protects employees against lost income and medical bills resulting from workplace injuries. You might be worried that the costs of a workers’ compensation policy will be high given the inherent risks of construction work, but many insurers will offer discounts if you follow safety programs.
If you need any help choosing the right contractor insurance policy, contact us today.
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