Contractors

Whether you are a General Contractor, Artisan Contractor or general handy man, Contractors commercial insurance protect your business. Some of the key features in protection are general liability, business property coverage, fire liability coverage, inland marine coverage, umbrella insurance and other enhanced endorsements.

General liability coverage protects your business in the case that you are sued for something that you are found liable for. These are for unforeseen circumstances such as faulty installation. If there is something that your business has completed that causes a liability to arise your coverage will protect the business.

Business property coverage gives protection for tools and other things used in the business. It also protects items that may be owned by the business that may be for sale such as cabinets or counter tops.

Fire liability coverage protects the building that you may rent to house your business. For example, if there is a fire that occurs that the business is found liable for this coverage will cover the damages up to the limit so that is not having to be paid out by the business.

Inland marine coverage is a coverage that most businesses do not realize they may need. This is a coverage that is added to some policies that gives coverage to equipment used for the business. This is a scheduled policy that specifically covers certain pieces usually heavy equipment or movable equipment such as small drivable devices.

Umbrella policies are often the most overlooked coverage that is offered for businesses. This coverage gives extended liability over the current general liability coverage that is in the main policy. These policies can protect the business from becoming financially unstable in the case of a large liability loss.

We also offer other enhanced features of our commercial polices that help save you money and make your business more attractive to customers. Most contractors are required by their customers to provide proof of insurance or a COI (certificate of insurance) to complete work on their properties. We offer a plan that allows for unlimited amounts of additional insureds to issue these certificates. This saves you both time and money in getting your paycheck from your customers.

• Carpenters
• Electricians
• Painters
• Janitorial, Housekeeping
• Landscaping
• Handy Man
• Waste Management