Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Damage to someone’s property
Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
A distracted homeowner trips over your extension cord breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.
Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
Injuries and damage involving your business vehicles
You get into a fender bender with your work truck that was ruled your fault. Commercial auto insurance will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.
Theft or damage to your tools
Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.
Damage to your own property
A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.