Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your tools and equipment and your vehicles.
We typically recommend:
Workers’ Compensation for contractors
Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ comp 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.
Learn more about workers’ comp insurance.
Commercial Auto insurance for construction businesses
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.
Learn more about commercial auto insurance.
Tools & Equipment insurance for contractors
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.
Learn more about tools & equipment insurance.
Get Instant Quote