Contractor Insurance Coverage by Profession

​Company owners ought to protect their workers and freelancers with contractor insurance. It covers claims resulting from property damage and body injuries while considering the policies. However, despite the general view of having settlement costs, the contractor insurance coverage may vary by profession. Policyholders align the contract with the industry’s nature.

Handyman and Plumbing
Since a handyman performs a wide variety of jobs, the type of insurance they need are policies that compromise injury to another person or damage to resources and valuable assets. Working with heavy tools and equipment, direct contact with clients, and vehicles’ use exposes both parties’ risk.

Electrician
The majority of the contractors prefer claiming for a general commercial liability since it involves property damage, bodily injury, and electrical administrations. Being an electrician endangers themselves in hazards during operational hours and even off the site. If an employee accidentally injures himself due to an electrical shock, the insurance would cover medical bills and recovery expenses.

Construction Workers
Construction workers improve society by establishing structures and buildings, making the most beneficial to the owner's land. However, completing this responsibility elevates risks both to employees and the community as well. It is recommended to file for workers' compensation, property insurance, and commercial auto policies to ensure safety and recovery to aftermaths.

Maintenance Team
Keeping facilities clean and supervised enable the other employees to work free from sanitary issues. It also enhances the impression for clients and visitors, considering the maintenance team upgrades offices’ ambiance. That is why contractors ought to file for general commercial liability, funds for medical expenses, lost wages, and safety negligence fees. 

Masonry & Stonework
Applying finishing touches to other people's property induces the chances of filing commercial general liability and property insurances. The installation of construction materials goes through different stages that any incident, with carelessness, may occur. The mentioned coverages would protect the property and the individuals involved.

Every profession has varying rules and guidelines to follow. It includes proper policies and coverages to protect their employees. Since employers usually purchase insurances underwritten in workers’ compensation, it is necessary to consider the equipment or construction materials to determine contractor insurance policy. The field of industry influences the contract itself.

At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.