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Contractors Insurance

Get Only The Best Contractors Insurance

If you are a contractor, then you should know that you are 100% liable for anything that happens in the place where you are doing contract work. So if, say, one of your workers gets hurt or causes injury to the client or anyone in the work site, the injured party can file a personal injury claim against you. The same thing goes for any property damage your worker might cause, accidentally or intentionally. To say that those claims would be costly would be an understatement. For some contractors, paying for those claims would mean the end of their contracting business.

Things don’t have to be that way though. As long as you comply with insurance requirements for construction contractors, you and your business will be protected from any such claims.

What kind of coverage is included in my policy?

That’s entirely up to you! You can customize your insurance by choosing coverages and limits that make sense for your business. Some of the coverages available include:

Building Coverage – protects the building where your business operates if it’s damaged by a hazard covered under your policy.
Contents Coverage – protects company assets at your business that are damaged by a hazard covered under your policy.
Contractors Equipment Breakdown – pays for repair or replacement of equipment due to accidental breakdown or damage by things like mechanical failure, power surges and more.
Installation Floater – protects the property and materials that you’re working on, until your work is accepted by the purchaser.
Tool Floater Coverage – protects your tools from hazards or events covered under your policy when at your business or on a project site.
Contractors Equipment Floater – protects your equipment, other than tools, from hazards or events covered under your policy when at your business or on a project site.
Legal Expense Coverage – protects you against the cost of potential legal disputes and provides you with access to expert legal advice and representation.
Errors and Omissions – this covers you from lawsuits that result from the financial losses someone experienced because of your work.
Crime Insurance Coverage – protects you from financial loss due to employee dishonesty, money orders, counterfeit paper currency and more.
Padlock Cyber and Data Breach Protection – protects your business from cyber-attacks and privacy breaches.
Commercial General Liability – protects you in case someone is injured or their property is damaged as a result of your business operations.

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No Contractors Insurance, No Contractors License

There is no way you can operate as a contractor if you don’t have contractors insurance. That’s because contractors insurance requirements are quite clear: If you don’t carry a minimum general liability insurance of $300,000 for bodily injury and $50,000 for property damage, you won’t be able to receive your general contractors license in the state. So when it comes to contractors insurance, you don’t have a choice. You have to be covered, or you can’t do business.

Then again, you should have no issues getting contractors insurance because it will ultimately benefit you.

For one, your business will be protected from any and all claims. If you carry a policy from one of the top contractors insurance companies, then you won’t have to resort to paying personal injury or property damage claims from your own pocket.

Another reason why having contractors insurance works to your advantage is that it boosts your legitimacy as a contractor in the eyes of clients and potential clients. Most residential clients these days are smart enough to know that contractors insurance are primarily designed to protect their interests, and will therefore hire only those who have Florida home builders insurance policies. The same can be said of clients who want work done on their commercial buildings. Most importantly, you can never argue with the peace of mind that contractors insurance can bring.