Contractor Insurance

Insurance for the professional contractor – Contractor Insurance

As a contractor, you know how to handle it all. From pipes to wires and garbage disposals to toilets, you can help your clients with many different household problems. This means that you may also be exposed to more risk, both in injuring yourself, a client or having an accident that destroys or damages your client’s property. While you may take care to ensure that these risks are mitigated, accidents do happen and liability insurance could help relieve the burden of a lawsuit or judgment should you be found liable for a mishap.

Contractor insurance can encompass the following types of coverage:

• General Liability: Also known as commercial liability insurance and covers general liability of the business. It is a broad coverage. It is a smart move to have a general liability insurance policy in place.
• Commercial Auto Insurance: Your commercial autos, like a pick up or box truck, should be protected. A commercial auto insurance policy can help protect your work vehicle will going to/from jobs and while being stored.

Contractors have many options for insurance needs and it is up to you to decide what is best for your business. We understand you might only need general liability insurance – not a business owners policy or BOP.

You might be eligible to get general liability insurance, without the extra coverages in a BOP. Speak to an agent today to learn about your options and what coverage might suit your business best.