Contractors Insurance Information
Construction or artisan contractors have little room for error in their lines of work. Operating risks will not only threaten commercial stability, but also client satisfaction.
Insure All, LLC offers expert-backed insurance options for contractor risks of all kinds. Let us help you get a targeted portfolio that will help you avoid monetary threats that might impact your operation.
Call us at (540) 778-1231 for more information or get a quote online.
Why Contractors Need Insurance
Multiple problems might affect your contracting business:
- Your property or possessions might sustain damage
- The project could sustain damage or experience delays, throwing the budget into jeopardy
- Employees or clients might get hurt at work sites or in office spaces
- Construction vehicles might have wrecks
The appropriate insurance can help you address the losses, recovery costs, and other ramifications related to these unfortunate accidents. It’s there to ensure the business doesn’t suffer unfair losses.
Our Coverage Options
Contractor insurance options from Insure All, LLC offer a diversity of coverage:
Commercial Property Insurance
Use this coverage to repair the damage to your business property, structure and possessions.
Business Expenses Insurance
Accidents might cause you to have to temporarily stop operations. Expenses insurance can help you pay ongoing expenses during the closure. It might also help you temporarily relocate your offices.
General Liability Insurance
At times, clients or other parties could experience losses that resulted from your mistakes. Liability insurance can help you pay for their recovery costs. Policies usually can pay for the bodily injuries or property damage third parties experience. So, if someone slips and falls in your business, coverage can help you reach a settlement with this person.
Employees could get hurt on the job. If they do, you might have to offer them supplementary income through workers’ compensation. West Virginia requires most business owners to buy this coverage.
Contents & Tools Coverage
Possessions and certain machinery can receive coverage for multiple damage or theft scenarios. You can also ask for extended coverage for employees’ personal tools used in the course of work.
Inland Marine Insurance
Expensive business materials that you transport overland frequently can benefit from this coverage. Should the items sustain damage while off the business premises, this coverage can pay for them.
Equipment Breakdown Insurance
If critical machinery breaks down, that could inhibit operations. This coverage can help you pay for repairs and potentially cover lost income that resulted from the breakdown.
By providing bonds, you guarantee your clients that you can cover the costs of hazards like construction delays or breaches of contract.
Commercial Auto Insurance
Standard personal auto insurance will not cover vehicles used for business purposes. Commercial auto policies can insure these vehicles and their drivers with liability, comprehensive, collision, medical payments and cargo coverage options to the business’s benefit.
Builder’s Risk Insurance
Projects under construction could sustain damage from hazards like fire, weather, theft, vandalism and more. Builder’s risk coverage will help you recover the materials and costs lost as a result.
Other Liability Options
General liability policies alone might not cover damage from every type of mistake. Therefore, you can likely benefit from a variety of other liability insurance options, including:
- Errors & omissions insurance
- Directors & officers coverage
- Cyber liability insurance
- Products-completed liability coverage
We’ll Make Your Coverage Specific
As you can see, the world of contractors insurance is very big. Don’t fret if you don’t know what coverage you need. It’s our job to help you.
Insure All, LLC’s dedicated agents can help you build the tailored policy portfolio that your construction operation needs. We know how to tailor your policy limits to make sure that you’ll always have coverage, even for unique or specialized risks.
Don’t wait to get covered. Call us at
or request a policy quote today!