CONTRACTORS INSURANCE
Request a Free General Liability, Workers' Compensation, or Commercial Auto Quote TODAY
Fill out this form
GET A QUOTE!
GENERAL LIABILITY INSURANCE
-
General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts
-
From painters to demolition contractors, construction businesses and contractors face high risks. General liability insurance helps pay expenses related to third-party injuries and property damage.
In most cases, General Liability Insurance is a state requirement for most contractors. Coverage requirements may vary depending on scope of work or location, but typically in New York, contractors are required to carry a liability limit of 2million (aggregate). Typically, project managers want to see proof of insurance (certificate of liability) before you even step on the jobsite.
DID YOU KNOW...
​​
General liability insurance doesn’t cover employee injuries (that would be workers' comp), auto accidents, punitive damages (in most states), workmanship, intentional acts or professional mistakes.
WHY DO I NEED CONTRACTORS INSURANCE?
HOURS & LOCATION
Location
Hours
Monday - Friday
8:30 am to 5:30 pm
Saturday
9:00 am to 12:00 pm
Evenings by Appointment
-
Lost wages/loss of income
-
Physical Therapy/Rehabilitation
-
Death costs
-
Injury on the jobsite
-
Illness caused by jobsite or working conditions
-
Medical Treatment
Much like General Liability, Workers' Compensation is also a state requirement for most contractors (although some smaller businesses are NOT required to carry workers' compensation coverage depending on location). Many project managers will require proof of Workers' Compensation coverage in order for their contractors to start work. Below are some examples of what Workers' Compensation insurance will cover:
WORKERS' COMPENSATION INSURANCE
COMMERCIAL AUTO INSURANCE
Vehicles that you own, lease, rent, or hire for your business are all assets that must be protected. Much like a personal auto policy that protects you from liability, collision, rental, and property damage, commercial auto takes coverage much further. Whether insuring materials in transit or expensive equipment, having the right commercial auto policy is crucial to protecting your bottom line.
-
Bodily injury liability, which covers injuries that you as a driver cause on another person
-
Comprehensive coverage, which covers damage or theft of the car itself that occurs because of something other than a vehicular accident (such as earthquakes, falling objects, etc.).
-
Collision coverage, which pays for damage to your vehicle if it is damaged by another vehicle or rollover, whether you or not the other driver is at fault.