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CSIS Insurance Services, Inc. Blog

Contractors Insurance Guide: Coverages To Keep You Protected

5/10/2018

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Contractor’s insurance protects you from any huge and costly lawsuits filed if there has been property damage or any disturbance. It will serve as a security for your business or your contract in case there will be any accidents resulting in damages.

All contractors are advised to have their own contractors’ policy. In this way, they could protect the interest of their business.

Many insurance companies offer flexible terms for contractors’ insurance. Here are four coverages you can consider to get protected:
TOOLS AND EQUIPMENT INSURANCE
Contractors can opt to take the tools and equipment insurance to protect their equipment in case of damage due to the job task at hand. This policy shall be applied only to tools that have over $1000 in value.
 
BUILDERS RISK INSURANCE
Builders Risk insurance or also called Structural Damage insurance is the most common used contractor's insurance policy. It protects the contractor from any damage he/she may cause while doing the commissioned project.

This policy guarantees that the insurance will cover the fixing and or replacement of any damaged or compromised item/s.

INJURY COVERAGE INSURANCE
It can be one of the most important contractor insurance. It will cover any injuries – whether lawsuits or medication – of any contractor or employee. The company will pay for any form of damages – legal costs or any medical expenses incurred in the incident.

WORKER’S COMPENSATION INSURANCE
This type of insurance covers for any worker or employee even beyond medical costs. This type of insurance also answers to lost wages the employee might experience because of the accident in the workplace.
 
For companies hiring contractors, you must consider:
The contractor’s history. If the contractor has some unresolved legal disputes or any poor-quality work, it is better for you to know the background of it before actually considering them to do the job.
They should have contractor insurance. The contractor should be the one responsible for any of their workers. They should have at least a contractor insurance to cover for any damage or accidents doing the project. It will be less on your plate.
 
If you are to commission any contractor or you are a contractor yourself, it is best to have contractor insurance to cover your property, tools, and employees or workers. At CSIS Insurance Services, Inc, we work hard in making sure that our clients are well-protected with policies that they can afford. 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.
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