NEXT Insurance is a one-stop shop for contractor business insurance. We’ll help you get insurance online at an affordable price so you can get back to work, whether you need to quickly lock down a certificate of liability insurance for your next project or get coverage for a new employee.
Oh, and you’ll save 10% when you bundle two or more of our policies.
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You can save up to 25% in discounts when you buy contractor insurance with NEXT. The exact amount you pay will depend on:
Business insurance offers you protection from a wide range of unexpected events and accidents, from an employee falling off a ladder to a crash involving your work truck.
As a contractor, you’re almost always required to have insurance, in order to get licenses and to win contracts. Besides, having the right types of insurance for your contracting company means that you don’t have to pay out of pocket if an accident does occur. With the right coverage, you can do your work and focus on the job at hand without worrying about those pesky “what if” scenarios.
Contractor liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property at a job site, or if someone says that your work mistake caused financial losses.
We combine two types of liability insurance in our business insurance packages:
General liability is the basis of solid insurance coverage for contractors. Given how much time most contractors like you spend on property that doesn’t belong to you, it’s probably not hard to imagine that at some point you could cause or be blamed for a ladder scratching a hardwood floor, or for someone tripping on your extension cord and breaking their wrist.
Learn more about General liability for contractors.
Errors and omissions insurance (also known as professional liability), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If someone thinks you didn’t deliver the services you agreed to provide, they can make a claim that it has to be redone. Your coverage will help pay for costs to defend your business or fix the problem.
Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ compensation for contractors makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from accidentally putting a foot in the way of the nail gun.
This coverage is required for businesses with employees in every state except Texas.
You’ll need commercial auto insurance in most states if you own work trucks that are titled to your business.
You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own truck to job sites it probably won’t be covered under your personal car insurance.
You might consider adding tools and equipment coverage if you frequently work at different locations because it will provide financial protection for your equipment wherever you go. This coverage can be added to your general liability insurance to help cover repair and replacement costs for all your gear, from allen keys to wrenches — and all the compressors in between.