Contractors Insurance
Comprehensive coverage for your trade
Comprehensive coverage for your trade
As a contractor, you face many risks as part of your job, no matter your trade. Securing comprehensive business insurance for your operations can help mitigate the financial losses from these hazards. If you're a contractor and need insurance solutions, we are ready to help. Contact Erickson Insurance Agency today for more information.
Whether you are a general contractor or an artisan contractor, business insurance can provide coverage for several exposures.
Protects your business's physical assets (e.g., your building and its furnishings) if they are damaged by covered perils, such as fires or storms. It may provide repair or replacement costs.
Provides coverage during a construction project. It may cover the building under construction, materials or supplies if damaged by a covered cause of loss. Coverage may apply to property at the job site or temporarily stored off-site.
May pay repair or replacement costs if your portable tools or equipment are damaged, lost or stolen.
Provides coverage if your business vehicles are damaged or in an accident. Hired and non-owned auto insurance (HNOA) may also cover vehicles your business rents or leases.
If your business is held legally responsible for property damage or injuries to third parties, liability insurance may compensate them for their losses and cover associated legal fees.
Available liability coverages include:
If a significant liability claim exceeds the limits of your other liability policies, umbrella insurance may fill in the gap and provide additional protection.
If an employee suffers a work-related injury or illness, workers' compensation may provide wage replacement or payments for medical expenses.
Additional policies and endorsements may be available. Speak with our team to discuss options, limits and exclusions for your specific trade.
Erickson Insurance Agency is well versed in the unique risks a contractor may face, and we're here to help you get adequate protection against your exposures. Contact us today to discuss your insurance needs.