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  • As a Contractor and Business Owner, you need to make sure you're properly protected against the risks you face every day. A Contractors General Liability insurance policy can provide the coverage need for your day to day contracting operations.There are several types of "Contractor Insurance" policies that you can, and should, get to ensure your business is properly covered, including:
  • Contractors Liability Insurance - A General Liability insurance for Contractors that covers liability issues that may arise during the course of your contracting business. Most state require this coverage for Contactors.
    Workers Compensation - Most states require you to carry Workers Comp insurance if you have employees. This pays for injured employees' expenses if they're hurt on the job.
    Surety Bonds - Contractors are often required to have a Surety Bond to ensure they perform per the contractual agreement. If you fail to perform, the surety insurance provider will make a payout to your client, covering their financial losses up to the Bond limit. Commercial Auto Insurance - If your contracting business has work vehicles, you need a commercial automobile policy. Personal automobile insurance doesn't cover the kinds of business usage a Contractor needs.
    • What is Contractor General Liability Insurance?

  • For every Contractor, Contractor General Liability Insurance seems a must. Claims regarding Bodily Injury and Property Damage cannot be simply ignored. Therefore, a Contractors Liability Insurance policy is needed during construction and after its completion.
    The process of construction may require difficult steps along the way. The party or firm that mainly supervises the overall construction is referred to as the General Contractor. The General Contractor has the right to allocate the work to a number of subcontractors whenever needed, especially when an aspect of the construction is not within their expertise. For instance, the firm may hire subcontractors to work on the carpentry and plumbing.
  • While Contractors are allowed to bid for work even if they do not have the General Contractor Liability Insurance, it is always best to have it before one starts working on the construction phase. Often, a contractor is not allowed to work on a construction project if an insurance policy is lacking. The Contractor Insurance Liability helps whenever there are third party claims against the course of the construction operations. It mainly helps the General Contractor to deal with Contractors Liability, law suits, and accidents that arise from the contracted project.
    In addition, this kind of insurance can also help Contractors to save a significant amount of money on attorneys, since insurance companies have their own legal teams who can work on the case when needed. Thus, for a contractor to be protected, General Contractor Liability Insurance is a must. It could end up being vital when it comes to Property Damage, negligence, or Bodily Injury incidents or accidents.
  • Essentially, the General Liability Insurance covers property and Bodily Injuries that happen in the duration of the construction or after its completion, typically years after. Ask your Broker for the specifics. As for the cost of the Contractor Liability Insurance, it mainly depends on the coverage and level of risk. Other factors such as the payroll expenses, nature of work and gross receipts may also be factors. Insurance companies may also consider the financial strength of contractors in deciding the coverage and premiums that suit them.
  • Workers Compensation is sometimes referred to in many other terms including; Work Comp, Workmans Comp and Wokmens Comp, including variations of Workmen's and Workman's. We provide California Workers Compensation, Texas Workers Compensation and Workers Comp for the states of; Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Louisiana, Mississippi, Nevada, New Mexico, Tennessee, Texas, Utah, West Virginia and more. We Specialize In: