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A specialty contractor insurance policy is an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage you don’t want or need.
How can contractor insurance protect you?
Use the yellow hot spots and explore how contractor insurance can help protect against common risks.
A good policy includes general liability that covers you against claims of damage or injury caused on site or to visitors on your own premises. Such costs can be immense and general liability insurance is often mandatory if you want to bid for government contracts.
You should also make sure that you protect your stock, machinery and equipment against damage or loss from fire, theft, flooding and other risks, both on-site and off-site. Just as importantly, you need to have insurance coverage against loss of income if you are unable to carry out work because your equipment is damaged.
Remember also to get workers compensation insurance, which is usually mandatory and protects employees against lost income and medical bills resulting from workplace injuries. You might be worried that the costs of a workers compensation policy will be high given the inherent risks of construction work, but many insurers will offer discounts if you follow safety programs.
If you need any help choosing the right contractor insurance policy, contact us today.
Let’s discuss your contractor insurance.
One of our insurance advisors will reach out to you to review your information and present you with the appropriate contractor insurance solution. There’s no obligation, just good-old-fashioned advice.
Bill Flinn Agency offers comprehensive contractor insurance in Bethel Park, Upper St. Clair, Peters Twp., South Park, Mt. Lebanon, Pleasant Hills, Robinson, Cranberry and all of Western PA.
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