Contractors Insurance

Contractors Insurance

Contractors face risks on every job site, from injuries to property damage to equipment loss. Contractors insurance combines several coverages into a program built for the construction trades.

Core Coverages for Contractors

A typical program includes general liability for third-party injury and property damage, commercial auto for work vehicles, workers’ compensation for employees, and inland marine coverage for tools and equipment. Many projects also require proof of these coverages.

What does contractors insurance include?

It usually bundles general liability, commercial auto, workers’ compensation, and tools and equipment (inland marine) coverage into a program tailored to construction work.

Do I need insurance to get hired or licensed?

Often yes. General contractors, project owners, and licensing requirements frequently require proof of liability and workers’ compensation coverage before work begins.

Does it cover my tools and equipment?

With inland marine coverage included, your tools and equipment can be protected on the job site and in transit, not just at your shop.

Is workers’ compensation required for my crew?

In most states, employers must carry workers’ compensation once they reach a certain number of employees, and it is often required by contracts even for smaller crews.

Why buy contractors insurance through an independent agent?

As an independent agency, Baer Insurance Services represents many carriers, so we can assemble a coverage program that fits your trade and project requirements, with personal, local service.

Contractors Insurance — Coverages Can Include:

• 
  General liability
• 
  Contractors equipment & tools
• 
  Workers’ compensation
• 
  Commercial auto
• 
  Builders risk
• 
  Products & completed operations
• 
  Professional liability
• 
  Umbrella / excess liability