What kind of insurance is best for contractors?

Tailor your contractor insurance to fit the specific risks you face, such as a client’s medical costs resulting from bodily injury or claims of property damage resulting in data loss. Read more about the specific risks that can be covered.

We specialize in protecting a range of contracting professions including: Carpenter, Construction, Electrician, Handyman, HVAC, Painters, Plumbers

General Liability Insurance

General liability insurance, sometimes called Commercial General Liability (CGL), could protect your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Having this kind of coverage is beneficial in several instances:

  • Bodily injury: A client trips over your toolbox and fractures their leg. You could be liable for the medical costs, however, your general liability insurance policy could cover those costs, protecting your business.
  • Personal injury: One of your employees is out to lunch. He is overheard talking to another employee about one of your clients in an unflattering and false way. The client learns of this discussion and sues for slander. A general liability insurance policy could cover the subsequent claim, up the policy limits and appoint an attorney to defend you if necessary.
  • Property damage and data loss: You are renovating a home office for a client and their desktop is nearby. During the demolition phase you accidentally drop something on the desktop causing irreparable damage. A general liability insurance policy could cover the claim up to your policy’s limits of liability.

Why contractors choose our agency

  • S3: a service where an independent 3rd party comes to document your work comp or auto accident, free of additional charge.
  • Flexible payment options: to help you manage your cash flow.
  • Tailored Insurance
  • Claims responsiveness

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