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A job site accident could lead to a major financial loss for an uninsured contractor.
At Amherst Insurance, our mission is to get to know and understand our clients’ needs, wants, and long-term goals. We are passionate about building trust in the relationships we have with our clients. Our focus is on the client. To us, insurance is not simply insurance. To us, insurance provides peace of mind, assurance, and protection for your family and loved ones. We specialize in General Contractors Insurance. We keep working even after you have handed over the keys. Protect yourself from potential liability issues that can continue.
If something goes wrong on a job site, you will often be held liable. General contractor insurance will help pay for a lawsuit or loss due to crew injuries, property damage, stolen equipment, and much more.
Contractors insurance is necessary because it protects you and your business, bottom line. Even independent contractors have the same exposure to liability, and legal obligations as a larger corporation might have. You could be sued for damage to client property, bodily harm from injuries on the job, and even advertising injuries.
Professional liability is most frequently by consultants, architects, and design/build contractors to protect themselves from clients’ claims. This insurance can protect against client dissatisfaction, flaws in the design, and failure of plan execution. Professional liability policies can also cover negligence on duty.
If your company has been deemed responsible for bodily injury or damage to customer property, you can expect to be accountable for the costs of those incidents. General liability protects you by taking the weight of the cost off of you and your business.
Workers’ compensation offers protection for workers who become injured on the job. This insurance can cover the injured person’s medical expenses and lost wages. Workers’ compensation provides the benefit of peace of mind for you and your employees.
Commercial auto insurance is highly focused on protecting the policy holder’s automotive property. If part of your job requires transportation, like moving tools, supplies, or employees to and from a job site, then you need this vital coverage. A commercial auto insurance policy not only protects your vehicle but also protects you against damage to other things caused by the vehicle.
Inland marine protects the contractor’s property. Damages to your property and loss of tools or other materials can be covered under inland marine insurance.
What happens if my standard policy does not cover it? Well, this is where umbrella insurance proves to be an essential aspect of a policy. Umbrella insurance essentially provides an additional layer of liability coverage above and beyond what your standard policy covers.
Employment practices liability insurance covers wrongful acts arising from the employment process. Employment related claims are always excluded from the commercial general liability policy.
Depending on your line of work, general contractors are subject to requirements for holding different kinds of insurance for their business. Many factors come into play. For example, some questions you might consider are: Do I have a physical location? Does my company own a vehicle? Am I prepared for a lawsuit against me or my business? Depending on what you do, you may be required to get builder’s risk insurance or surety bonds.
The bottom line, you need to meet with an agent today. We specialize in general contractor insurance. There are several different kinds of coverage available. There is no need for you to try to navigate this alone. We can help you!