Insurance for Construction & Contractors

Often referred to as business liability, general liability protects construction contractors from general claims that arise out of normal day to day operations. Coverage is considered 3rd party, meaning it protects against injuries and property damage to others, like if you or an employee damaged part of a client’s home while on the job.

Business Property also referred to as Commercial Property Insurance and Business Personal Property Insurance, as the name implies, covers the physical location, equipment and contents your business owns. There are also policies designed to cover property and equipment while in transit to and from job sites as well as equipment you lease or rent.

A Business Owner’s Policy (BOP) combines common business coverages (General Liability and Property Insurance) into one convenient policy. It’s a great fit for smaller businesses and provides the flexibility to add additional coverages based on your business’s needs.

Also referred to as commercial auto, business auto can be very straightforward (insuring vehicles your company owns) but also confusing (i.e. using personal vehicles for business). While many of the coverages are similar to that on a personal auto policy, the limits and conditions can be very different and may vary based on the use of the vehicle.

Workers Comp provides benefits to your employees if they get injured on the job or become ill from their job. If you have employees, Workers Comp is required by law in just about every state, though the details may vary.

Umbrella policies are essentially insurance above and beyond other liability policies that you may have. Without this type of coverage you would have to pay out of pocket for losses that exceed your other policies limits.

We live in a digital world and most businesses, even those traditionally considered “offline” continue to have an increasing digital footprint. Technology brings incredible capabilities to our fingertips. Unfortunately, it also brings additional risk. Yes, even contractors benefit from this coverage – especially if you are handling invoicing and wire transfers.

Often referred to as Errors and Omissions (E&O) Insurance, professional liability helps cover you and your business if you make a mistake in the services provided to a customer.  Even if you did not make a mistake but your customer believes you did and sues you, this coverage will help pay for your defense.