Insuring Your Contracting Business

Property: Your contracting business owns expensive tools, machinery and vehicles. Protect these physical assets from damage, fire, weather incidents and theft with commercial property coverage. 

General liability: If your employees damage a client’s property (intentionally or accidentally) or if a client becomes injured because of your actions in his/her home, your business can be held legally responsible. General liability coverage can fund the resulting expenses. 

Worker’s compensation: If workers are injured while on the job, they could incur costly medical bills and lost earnings if they must take time off to recover. Workers comp insurance can help fund these expenses so your staff can get the care they need. 

Surety bonds: Bonds are necessary for various types of construction jobs, especially in regards to government jobs. It helps ensure that your company will get the job done. If something should go wrong, the bond company can reimburse your client for financial losses.  

Commercial auto: Just like your personal car must be insured by law, so do your business’ vehicles. Commercial auto insurance options are similar to personal auto insurance, and can be discussed with your agent. 

Inland marine: Goods on the move and goods being warehoused need protection, just like materials and tools at a jobsite. Inland marine coverage protects items in various stages of transit.