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What Insurance Do Contractors Need?

Why Do Contractors Need Insurance?
Contractors need insurance to protect their business assets from unexpected injuries and unintended damages. When comparing the cost of insurance against the potential for time-consuming and costly litigation, an insurance policy will always be the more affordable and secure option.

What Kind of Risks Do Contractors Face?
No matter the size of the operation, contractors face liability exposures and legal obligations to other parties, such as general contractors, project owners, or individual homeowners. Due to those obligations, one of those third parties can potentially sue or hold a contractor liable for bodily injury or property damage.

Other potentials risks to a contractor’s business include:

  • Injuries or property damage involving a company vehicle
  • On-the-job employee injuries
  • A loss to commercial property
  • Stolen, lost, or damaged equipment or materials
  • Unfinished contracted work

What Kind of Insurance Do Contractors Need?
While each contractor faces unique risks, the most frequently asked questions are about what is covered under a contractor policy. The most common coverages include: Read More

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