Contractors Liability

Contractors’ Insurance

It doesn’t matter what type of contractor you might be, having the right type of insurance coverage is key. If you own and operate a contractor’s business you know that accidents happen during the job, and sometimes after. That’s why it’s so important to carry limits that protect you and your workers while on the job.

Here are just of few of the types of contractors we have recently insured:

  • Geophysical Exploration
  • Oil Lease Work by Contractor
  • Gas Leak Work by Operator or Contractor
  • Survey Work
  • Cementing and/or Acidizing
  • Roofers
  • Subcontractors for Building Construction
  • Fire Suppression Jobs
  • Environment Work
  • Demolition
  • Plumbers
  • Electricians
  • Carpet Install Projects
  • Cleaning Contractors
  • Perforating Contract Work
  • Specialty Tool Operation by a Contractor
  • Installation Contractors
  • Renovations
  • Project Specific Jobs
  • Flooring/Tile Specialist Projects
  • Single Family Home Development
  • Condo-Apartment-Town Home Projects
  • Sprinkler Contractors
  • Artisan Contractors
  • Restoration Contractors
  • Crane Operation/Rental

Insurance for Contractors’ Vehicles

Every time a contractor or a contractor’s employees are on the road, the risk of an accident increases. Know that if you use your personal vehicle for business that personal auto insurance policies exclude coverage for accidents occurring when using a vehicle for contracted business. Here are just a few of the contractors’ vehicles we have recently insured:

  • Company Vans
  • Dump Trucks
  • Tilt Trailers
  • Low-Boy Trailers
  • Pickup Trucks
  • Gooseneck Trailers
  • And many more…

Contractors’ General Liability Insurance

As a contractor, a fundamental piece of your insurance policy will include general liability insurance. general liability insurance provides you and your company protection from lawsuits and financial liabilities due from accidents on your job site or in the course of your contracted work. Bundling general liability insurance with other coverages is common. One of the most common additions to general liability insurance for contractors, is workers’ compensation insurance.

Workers’ Compensation Insurance for Contractors

We understand that you do everything in your power to make sure your workers are properly trained and take safety precautions. Even with these strict regimens, accidents still happen. That’s why it’s so important for all Contractors to carry workers’ compensation insurance. Worker’s compensation insurance (known as work comp.), provides wage replacement and medical benefits to your company’s employees in the event of an accident. Most states require contractors carry worker’s compensation insurance.

Regardless of if it is state required, protecting your business from being sued due to workplace injuries or illness is important. Here are a few of the type of injuries that could be covered by your workers’ compensation policy:

  • Slips and Falls
  • Fire and Burns
  • Falling Objects
  • Strains, Pulls or Tears from Lifting Heavy Equipment
  • And many more…

To find out if your Contractor Business is required by state to carry Workers’ Compensation, or if you’d like to discuss other policies necessary for your contracting business – contact us today and we’ll walk through our recommendations.