Contractors Insurance
Protection for every budget or job
Because every business is different, commercial insurance solutions for contractors can range from a basic policy to a thorough mix of coverages that vary job to job.
Also, the type of contracting business you own, size, number of employees, and type of work all have an impact on the types of protection you may need.
We understand the fact that you need to stay focused on the work, not the risks you face every day. So we work with the best carriers of commercial insurance solutions that can help you meet the needs of your business, and put your mind at ease.
Construction Insurance for Every Trade
We offer coverage for every trade, including:
- Contractors Insurance
- Carpenter Insurance
- Plumber Insurance
- Handyman Insurance
- Electrician Insurance
- Masonry Insurance
- Security Company Insurance
- Home Builder Insurance
- Developer Insurance
- Renovation Insurance
- Welding Insurance
- Artisan Insurance
- And more…
Insurance keeps working, even after the job is done
The job may be completely finished, but there is still work to be done. You may have connected the final fixtures and flipped the switch by hand-over, but potential liability from your work goes on.
Our insurance keeps protecting you from any accidents or faults that could occur when you oversee or perform a piece of work in trades such as plumbing. In order to continue being protected after moving on to another site for business in this trade, it's important that you get contractor insurance policies which will not stop working long after finishing one project with them!.
What does contractors insurance cover?
The contractor’s insurance covers the costs of repairing or replacing your property in the event that it is damaged by a third party. It also covers the costs of repairing your business premises if they are damaged by a third party.
What contractor's insurance does not cover:
Contractor’s insurance does not cover any damage to your property caused by you or any member of your household. It also does not cover damage caused by you to other people's property, even if you are working on that property at the time. It also does not cover damage caused by contractors who are working on your site, so make sure they have their own contractor’s insurance in place before they start work.
The list of coverage areas include:
- Property in transit covering equipment, and losses to goods stored (on or off your premises), or being transported to or from your premises.
- Workers Compensation can replace lost wages, pay medical treatment, as well as protecting your business assets should an employee suffer injury
- Trucks and other commercial vehicles to pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.
- Errors and omissions covering any claims for negligence or other mistakes resulting in a loss to the customer during business activities.
Why We're Different
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.