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Commercial General Contractors Insurance
When you’ve got a business that supports yourself and your family, there’s no room for unnecessary risk. Today you can equip yourself with insurance that keeps you covered when the unexpected happens in your business..
Contact us today to find out how we can help.
Who Should Have Commercial Contractors Insurance?
Anybody who considers themselves a general contractor or subcontractor should invest in contractors insurance. The following business types would benefit from this coverage:
Contractors General Liability Insurance
Normally, general liability coverage is included in a Business-Owners Policy (BOP) package, but contractors may not need the extra coverage that typically comes with a BOP.
A general liability plan for contractors is one of the most common coverages because it protects against the damages that occur most often on the job, such as:
What Are Other Important Coverages for General Contractors?
Business Vehicle Insurance
If you have a personal auto policy, it can provide coverage for limited business use of your work vehicle. However, your personal auto policy is unlikely to cover damages if your vehicle is being used mostly for business. It also will not protect any vehicle under ownership of the business itself; you need a business auto policy for business-owned vehicles.
Workers Compensation Insurance
Different states have different laws when it comes to what is required when providing Worker’s Compensation Insurance. For business owners that have three or more employees, you should check with your State Department of Worker’s Compensation.