Call Us 614-389-2360 ☰ ˟
Condo Certificate Request Get A Quote
Logo
614-389-2360
  • Our Agency
    • AboutImage of right arrow
      • Employee Directory
      • Location(s)
    • Submit a Testimonial
    • Get A Quote
    • Providers
    • Contact UsImage of right arrow
      • Geswein Insurance Agency, LLC
  • Quotes
    • Commercial Auto Insurance Quote
    • Business & Commercial Quote
    • Condo Association
    • Contractors Quote
    • Truck Quote Request
  • Products
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Condominium Association Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Garage Insurance
      • Handyman Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Homeowner Association Insurance
      • Hotel insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
      • Insurance for Wholesalers
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • EPLI
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Contact Us
Auto Icon Home Icon Business Icon Life Icon Health Icon
Home > Blog > What Type Of Insurance Should An Independent Contractor Carry?
TUESDAY, DECEMBER 7, 2021

What Type Of Insurance Should An Independent Contractor Carry?

No matter whether you have a specialty or offer general contracting services, it’s important to carry the right type of insurance to protect yourself and your business. There are several different policies and coverages available, but it can be hard to tell which ones are best for your business. 

Common Coverages for Contractors 
Some of the most common and necessary insurance policies for contractors include: 
2 men in hard hats shaking hands
General Liability 
General liability insurance covers accidents of bodily injury, property damage and personal or advertising injury caused by the contractor’s everyday work activities. For example, if a client trips over a piece of equipment, the resulting injury and its medical expenses will be covered under the contractor’s general liability insurance. This insurance will also cover claims of property damage, libel, slander, and copyright infringement. 

Commercial Property 
Whether you have a physical location or not, commercial property insurance can protect your business by insuring the physical assets from fire, wind, hail, lightning, smoke, theft and vandalism. 

Professional Liability 
While general liability insurance covers acts of non-professional negligence, professional liability insurance covers accidents of professional negligence. This means it covers costs related to an accident directly tied to the specialty or service offered by a contractor. For example, if you install a sewer system and faulty screws cause it to burst later, the client can then sue for professional negligence in order to receive compensation for the damages. Professional liability insurance can help with the damages and possible legal fees. 

Commercial Auto Insurance 
Most contractors use vehicles to travel between clients. Even if the vehicle you use is a personal one, you may need commercial auto insurance. On average, personal auto insurance policies don’t cover accidents that occur while the vehicle is being used for work purposes. This is why contractors purchase commercial auto insurance. This insurance provides a lot of the same coverages as a personal policy, but it is geared specifically for a work vehicle. 

Combining Coverages 
In order to save money and simplify your policy, you can often combine coverages. A common bundle used by contractors is a business owners policy, which combines general liability and commercial property insurance into one comprehensive policy. These policies are also flexible, where you can add different coverages according to your business’ needs. 

Speak with your Geswein Insurance Agency representative about bundling coverages to save money. 

Posted 10:48 AM

Tags: contractors insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • trucking insurance(5)
  • contractors insurance(4)
  • condo association insurance(2)
  • commercial fleet(1)
  • commercial truck insurance(1)
  • commercial property insurance(1)
  • wholesalers(1)
  • wholesale insurance(1)
  • fleet(1)
  • fleet insurance(1)
  • condo insurance(1)
  • business insurance(1)
  • commercial auto insurance(1)
  • general liability insurance(1)

View Mobile Version
Facebook
LinkedIn
Ohio Icon
Get Directions
Contact Us Today
Message Us
Resources
Products
Customer Service
Payment Options
Report a Claim
News
About Us
Refer A Friend
Our Carriers
Blog
Contact Us
Contact us 9918 Brewster Lane
Powell, OH 43065

O: 614-389-2360
Fax: 614-538-2945
© Copyright. All rights reserved. Powered by Insurance Website Builder.