General contractors, specialized contractors, home builders, remodelers and even carpenters need to minimize exposure to risk with construction insurance customized to the specific hazards their employees face on the job. The right blend of coverage will help limit financial risks in the four major categories of property damage, income loss due to business interruption, employee injuries and other liability risks (injuries or property damage caused to others not associated with your company).
Most states require you to have at least a general liability insurance policy in order to get a contractor’s license, and many clients will require their contractors to have additional insurance, so a customized construction insurance package enables you to bid on new jobs competitively. Even when it’s not required, properly insuring your construction business adds value and professionalism.
While protecting your employees and your clients is the main goal of construction insurance, nobody wants to pay more than they need to for adequate coverage. Your agent is not only your partner in creating the most cost-effective policy package for your business, but also at your service to provide certificates of insurance and any other documentation you need on time to win new business.
As much as you trust your team and train them to do their jobs safely, working at busy construction sites with heavy machinery and other contractors present puts everyone involved at risk for accidents and injuries. Your employees can work confidently when they know you stand behind them with the right insurance in place, and your clients will thank you for it too. You’ve worked hard to build your business, so let’s talk about how to protect it while minimizing costly risks and liabilities.
Get in Touch with an Agent
Some of the policies you may want to consider include:
Here are some of the businesses in the construction trade that benefit from construction insurance:
Click on the Get a Quote button to contact us for a construction contractor insurance quote.