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CSIS Insurance Services, Inc. Blog

Types Of Coverage Every Contractor Should Have

8/4/2022

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​Owning a contracting company is extremely risky. You may be held accountable for physical damage and bodily harm. As a result, contractors are frequently required to carry insurance, covering any claims or damages you may be held accountable for.
​
However, there is no such thing as uniform coverage for all contractors. You must acquire coverage that meets their requirements. This article will help you decide what to include in your insurance coverage.
General Liability Insurance
General liability insurance is required for contractors since it should cover claims originating from harm caused by the contractor to a third party. 

As a contractor, you may be sued for causing bodily damage, destroying client property, or inflicting advertising injury. But with general liability insurance, the insurer will cover the compensation amount and legal expenses.

Workers Compensation 
Workers' compensation is relevant if you hire employees, and it can also be the most expensive of your insurance coverages. Suppose an employee is harmed under your supervision, then your worker compensation insurance should cover medical care. In the event of death, they may additionally cover the grieving family's recompense.

If the worker is still healing from the injury, this insurance should cover their disability income and rehabilitation expenditures.

Builder's Risk Insurance
This insurance should cover buildings and structures in the process of being built. It should cover the costs of building damage caused by extreme weather events such as hurricanes. It should assist cover the costs of fires, explosions, hail, lightning, theft, and vandalism.

Furthermore, there may be risks associated with your supplies and equipment. And the good news is that your insurer will cover those as well. As a result, if they are lost, stolen, or damaged, the insurance provider will reimburse you for the cost of repairing or replacing them.

Pollution Insurance
There is always the possibility of being sued if you do not consider the environmental effect of your business activity. Third parties may sue you if they believe you are contributing to the ever-present pollution; they may also sue if you breach environmental regulations.

It is preferable to obtain pollution insurance in situations like these. This pollution insurance may cover such claims.

Conclusion
Because owning a contractor business is risky, you must take advantage of the available solutions to assist you in keeping your firm running. A good example would be obtaining company insurance.

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. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.
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