In its simplest form, we help contractors manage their risks to open their opportunities.
The construction industry has a strong exposure to risk and claims. Whether you are a small specialty contractor or a general contractor managing subcontractors and large projects, your exposures exist and we can help you.
This liability insurance will protect you from most claims that would arise during day-to-day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.
Hand tools are normally covered on a blanket basis with no list or schedule. No item can exceed $500 in value. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.
Physical damage insurance for property under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects as well and some policies can be endorsed to include the structure being remodeled also.
Contractors are responsible for providing this coverage for employees, but may also have the exposure because of subcontractors who have not provided workers’ compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers’ compensation insurance.
Personal auto policies exclude autos used for Commercial and Business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business, be sure you have the right policy and that necessary coverage is not excluded.
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