Contractor insurance is usually a package of insurance policies that protects your business from financial losses in case someone files a claim against you. Most contractors need general liability insurance and inland marine insurance.
Commercial general liability insurance is a broad type of insurance policy which provides liability insurance for general business risks.
Commercial auto insurance is a type of insurance policy that helps cover vehicles used for business, including cars, trucks, and vans
Excess liability insurance covers claims that exceed the limits of a primary insurance policy. If a business hits the per-claim or aggregate coverage limit on a particular primary policy,
Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Contractor insurance is a vital investment for anyone in the construction or contracting industry. It offers crucial protection against unforeseen risks and liabilities that can threaten your business and personal finances. Without it, you're exposed to potential legal battles, medical expenses, and property damage costs. Contractor insurance provides a safety net, covering accidents, injuries to employees, and damage to client properties. It enhances your professional credibility, making clients more likely to hire you, as they know you're responsible and prepared. In today's litigious world, having contractor insurance isn't just a wise choice; it's a necessity for safeguarding your livelihood and ensuring long-term success in the industry.