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A Contractor's Insurance Policy might be for you if you are a:
Buell Insurance offers contractor policies for every type of project:
Buell Insurance offers free, comparative quotes on contractor’s insurance from multiple insurance carriers so you can get the best possible coverages and rates.
Give us a call or fill out the form at the bottom of the page and we'll answer your questions and provide a quote.
As a contractor, you perform work that's unique to your specialized industry. That also means your business is open to risks that may only be present in your line of work. Securing an insurance policy is one way to cover multiple risks without having to settle for a one-size-fits-all policy that could potentially waste money on coverage you don't need.
There are a variety of options available depending on what type of contracting work your business does. From general contractors to HVAC technicians, plumbers, carpenters, electricians, painters, and the like, contractor insurance may help provide your business with coverage and peace of mind. Here are some coverage options to consider in your contractor policy:
As part of your contractor insurance policy, general liability insurance may cover you against claims of damage or injury caused on-site or to visitors on your premises. Such costs can be immense, and general liability insurance is often mandatory if you want to bid for government contracts.
You should also make sure that you protect your stock, machinery, and equipment against damage or loss from fire, theft, flooding, and other risks—both on-site and off-site. Just as important, you need to have insurance coverage against loss of income if you are unable to carry out work because your equipment is damaged, breaks down, or is stolen.
Remember to also get workers' compensation insurance, which is usually mandatory and helps protect employees against lost income and medical bills resulting from workplace injuries. You might be worried that the costs of a workers' compensation policy will be high given the inherent risks of construction work, but many insurers may offer discounts if you follow safety programs.
Do you need contractor insurance to protect your contracting business? Contact us to go over your business needs and coverage options.