Contractors Insurance

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Contractors' Insurance

Contractors’ insurance is designed to protect contractors and construction businesses from risks associated with their work. It typically includes a variety of coverages, such as general liability, workers’ compensation, and commercial auto insurance.


What does Contractors’ Insurance consist of?

General liability insurance provides coverage for third-party claims of bodily injury, property damage, and advertising injury. This coverage protects contractors from claimants get injured or suffer damages from the contractor’s work.

Workers’ compensation insurance provides coverage for employees who get injured on the job. This coverage pays for medical expenses, lost wages, and other expenses associated with workplace injuries. It also protects the contractor from lawsuits filed by injured employees.

Commercial auto insurance provides coverage for vehicles used in business, such as trucks, vans, and other vehicles used to transport materials, equipment, or workers. This coverage protects contractors from liability in the event of accidents, theft, or other losses related to their commercial vehicles.

How to purchase insurance for your business?

When purchasing contractors’ insurance, it is important to work with a qualified insurance broker. We license brokers who specialize in helping businesses find the right insurance coverage for their needs. They have access to a wide range of insurance products and can help businesses navigate the complexities of insurance policies and coverage options.

Working with a broker can also help businesses save money on their insurance premiums. Brokers shop around for different insurance providers to find the best coverage and rates for their clients. They can also help businesses identify areas where they may reduce their risk, which can help them qualify for lower insurance rates.

Another advantage of working with a broker is that they can help businesses understand the fine print of their insurance policies. Insurance policies can be complex and difficult to understand, and brokers can help businesses interpret the language and provisions of their policies to ensure they have the right coverage for their needs.

In summary, contractors insurance is an important type of insurance for construction businesses and contractors. Working with a qualified insurance broker can help businesses find the right coverage for their needs, save money on their insurance premiums, and better understand the complexities of their insurance policies.