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Contractor’s insurance is an essential for any tradesman, in that it protects you from liability from faults or accidents that can occur long after the job is done. Whether you performed the work yourself, or just oversaw the contract, you can be held liable and need protection. It’s your livelihood.
Who needs contractor’s insurance? Anyone in building construction, heavy construction or home improvement—including general contractors, developers, renovators, plumbers, electricians, carpenters, handymen, welders, masons, security installers, and more.
For contractors, every job carries risks as well as rewards. You need protection from any accidents or property damage that could yield financial hardship, and so do your customers.
Not ‘One Size Fits All’
You need only to be concerned every day with the work, and not the risks. That’s why we work with multiple carriers to offer you the right coverage at the right price, so you have peace of mind.
Commercial contractor’s insurance has many variables and can range from simple one-man trades, to larger builders with many varied tradesmen and job sizes. Your business is defined by your scope of work, number of employees and the size of jobs, and so is your insurance coverage.
Contractors insurance ensures that you can move on to the next job with confidence, and keep working.
Here are the main risks you will want to have covered:
- Equipment and Materials Coverage for losses while these are in transit or stored, whether on or off your premises
- Workers Compensation to help with lost wages, cover medical care, as well as protect your business from an employee injury lawsuit
- Trucks and any commercial vehicles (including your employee’s vehicle while driving on company time) This is coverage for any liability for accidents.
- Errors and omissions (E&O Insurance) that protects you from liability for negligence, errors, or oversights from your work that create a loss for a customer
- Contractor specifics will determine any other coverages you may need
This is not an insurance option that you can just overlook. It’s affordable and essential, and our experienced contractor insurance agents at Rick Gerety + Associates will help you get the best coverage at the fairest price. Call us today!
"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"
—Linda Chern Zvitkovitz
"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"
"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."
—Meg Bates Jones
"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"
—Meg Bates Jones
—Grace M. Manger