Contractor Liability Coverage

Additional insured

Fifty-three percent of contractors report that professional positions – project supervisors, estimators and engineers – are difficult to fill. Without insurance, contractors may have to pay these costs out of pocket, which can be financially devastating. Top insurance carriers - Independent agencies have access to quotes from numerous respected insurance carriers all in one place. Like any other small business owner, an independent contractor can be sued and held liable for damages. Like any other small business owner, an independent contractor can be sued and held liable for damages.

When choosing an insurance provider, contractors should consider several factors. Materials or tools from your truck damage a car while in transit. This major expense comes on top of work delays, decreased productivity and legal fees. This major expense comes on top of work delays, decreased productivity and legal fees.

The right insurance tailored for your company's needs is an indispensable asset. The Allen Thomas Group . Start by calling us or starting a quote online.

Contractor Liability Coverage - Commercial property insurance

  • Additional insured
  • Retroactive date
  • Commercial property insurance
  • Workers' compensation exemption
As you go about your day-to-day work as an electrician, lawn care provider or carpenter - let us work behind the scenes to protect your small business with Artisan & Service Contractor Insurance from The Allen Thomas Group. As you go about your day-to-day work as an electrician, lawn care provider or carpenter - let us work behind the scenes to protect your small business with Artisan & Service Contractor Insurance from The Allen Thomas Group.

This policy pays for damage to the ongoing project itself - like the structure, materials, fixtures and any equipment being installed.

Contractor Liability Coverage - Retroactive date

  • Additional insured
  • Retroactive date
  • Commercial property insurance
  • Workers' compensation exemption
  • Professional liability insurance
At The Allen Thomas Group, we understand the unique risks contractors face and provide customized insurance solutions to keep your business safe. Look no further than contractor insurance. Look no further than contractor insurance.

Roofing Company Insurance

Best General Contractor Insurance

Workers' compensation coverage provides medical costs and lost wages related to work-related injuries or illnesses that occur on the job, and is required by most states for businesses that employ employees or those working in riskier industries, like roofing and building trades. High winds collapse scaffolding onto adjacent buildings. This not only helps contractors avoid financial burdens but also ensures that clients are not left with the financial burden of repairing or replacing their property. Commercial umbrella insurance The coverages in contractors insurance can vary from business to business. Broad coverage to protect contractors against professional and pollution liability risks resulting from professional acts, errors or omissions. Broad coverage to protect contractors against professional and pollution liability risks resulting from professional acts, errors or omissions.

A water pipe bursts overnight flooding materials. Superior service - Your agent should make insurance easy through fast response times, hassle-free claims handling, comprehensive risk management, and year-round policy review. Call our licensed agent and they can assist with commercial auto and business insurance quotes. Different industries bring different risks. Different industries bring different risks.

Coverage for certain third-party lawsuits. Artisan and service contractors insurance through The Allen Thomas Group protects against:This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Just one incident can devastate your business if you're not properly insured. This can include legal expenses, settlement costs, and damages awarded to the injured party. This can include legal expenses, settlement costs, and damages awarded to the injured party.

Performance Bonds guarantee your work will be completed per the contract's terms. Contractors face unique and often dangerous risks everyday on the job. If you own or rent a workspace, or if you have expensive equipment, inventory, and other business assets, commercial property insurance would help pay for the repair or replacement if your business property is stolen, damaged, or destroyed. Certificate holders and additional insureds refer to businesses or contractors carrying the coverages specified on a certificate of insurance policy.

Contractor Liability Coverage - Occurrence

  1. Additional insured
  2. Retroactive date
  3. Commercial property insurance
  4. Workers' compensation exemption
  5. Professional liability insurance
  6. Commercial umbrella insurance
Certificate holders and additional insureds refer to businesses or contractors carrying the coverages specified on a certificate of insurance policy.

  • Roofing Company Insurance
  • Best General Contractor Insurance
  • Renovation Contractor Insurance
  • Liability Insurance For Construction Contractors
  • Contractor Bonds
  • Best Liability Insurance For Contractors
  • Contractor General Liability Coverage

    • Renovation Contractor Insurance

    Insurance rates for contractors vary widely based on factors like:Your risk profile - higher risk trades like roofing and electrical cost more than lower risk trades like painting or flooring. Workers' compensation - Pays for medical treatment and lost wages for employees injured on the job. Our experts make the process smooth and worry-free so you can continue growing your business. Our experts make the process smooth and worry-free so you can continue growing your business.

    The Allen Thomas Group does just that, providing in-depth, ongoing service and advice to keep our clients protected and empowered to grow. Most often, it’s best for both you and your client to obtain separate general liability insurance policies.

    Contractor Liability Coverage - Completed operations

    1. Additional insured
    2. Retroactive date
    3. Commercial property insurance
    4. Workers' compensation exemption
    5. Professional liability insurance
    Most often, it’s best for both you and your client to obtain separate general liability insurance policies.

    Accidents or property damage can occur during the course of a construction project, and without adequate insurance coverage, contractors can face significant financial losses and legal consequences.

    Contractor Liability Coverage - Occurrence-based policy

    • Additional insured
    • Retroactive date
    • Commercial property insurance
    • Workers' compensation exemption
    Our extensive, tailored coverages and enhancements are based on our decades-long expertise in construction as well as specifically tailored coverages tailored specifically for individual customer needs. Our extensive, tailored coverages and enhancements are based on our decades-long expertise in construction as well as specifically tailored coverages tailored specifically for individual customer needs.

    At Allen Thomas Group, our products and insights help general contractors to anticipate potential threats by planning for them, ultimately helping to reduce loss costs while keeping projects on schedule. The foundation of a contractor's insurance program is General Liability Insurance. The foundation of a contractor's insurance program is General Liability Insurance.

    Renovation Contractor Insurance
    Liability Insurance For Construction Contractors

    Liability Insurance For Construction Contractors

    Certain The Allen Thomas Group companies may be compensated as licensed agencies for performing services on behalf of these insurers. It provides financial protection by covering legal fees, medical expenses, and damages. You are covered under a blanket additional insured endorsement. Contractors should assess the provider's claims process and responsiveness, as well as their financial stability. Contractors should assess the provider's claims process and responsiveness, as well as their financial stability.

    Comprehensive contractor insurance is essential to protect yourself, your business and your bottom line. However, they may decide to add you, depending on the situation. Failing to carry Workers' Comp can lead to large fines or criminal charges. Failing to carry Workers' Comp can lead to large fines or criminal charges.

    Though some companies provide "one-size-fits-all" contractors insurance policies, we recognize each contracting business is different and our insurance experts will work with you to customize a policy specific to your contracting business's needs - that way you only pay for coverages you actually require. It’s required in most states for businesses that have employees. Contractor Liability Insurance: This type of insurance provides coverage for property damage or bodily injury caused by the contractor's work. Contractor Liability Insurance: This type of insurance provides coverage for property damage or bodily injury caused by the contractor's work.

    If you intend to buy both general liability and commercial property coverage, you can reduce your insurance costs by bundling them into a business owner’s policy (BOP). With the right insurance partner, you can run your business with confidence knowing you've safeguarded your company's finances and reputation. Employee injuries - Workers' comp insurance is mandatory in most states to cover medical bills and lost wages for injured employees.

    Contractor Liability Coverage - Indemnity

    • Additional insured
    • Retroactive date
    • Commercial property insurance
    • Workers' compensation exemption
    • Professional liability insurance
    Employee injuries - Workers' comp insurance is mandatory in most states to cover medical bills and lost wages for injured employees.

    Contractor Bonds

    In addition to commercial general liability insurance, independent contractors may need other types of small business insurance, including:Every state requires this coverage for vehicles that are registered to a business, or the ability to compensate someone in case of an auto accident. For example, the photographer could be accused of copyright infringement, while the remodeler faces the risk of potential injury to the homeowner. Contractors insurance can also extend to cover your business’s vehicles and employees, depending on the coverages selected. Contractors insurance can also extend to cover your business’s vehicles and employees, depending on the coverages selected.

    You can purchase commercial general liability insurance from a business insurance provider or agency. This coverage protects you when a third party sues your business for bodily injury or property damage. This coverage protects you when a third party sues your business for bodily injury or property damage.

    Don't wait for a loss to realize you're underinsured – be proactive and protect your assets with The Allen Thomas Group. Occurrence-based policy The additional insured can receive coverage for lawyers’ fees, court costs, and settlements or judgments. The additional insured can receive coverage for lawyers’ fees, court costs, and settlements or judgments.

    All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.

    Contractor Liability Coverage - Subrogation

    • Additional insured
    • Retroactive date
    • Commercial property insurance
    Workers' compensation exemption Regardless of the size of an operation, or their role in a particular project, companies should be aware of the operational and financial risks associated with contractor/vendor selection. Regardless of the size of an operation, or their role in a particular project, companies should be aware of the operational and financial risks associated with contractor/vendor selection.



    Contractor Liability Coverage - Additional insured

    1. Additional insured
    2. Retroactive date
    3. Commercial property insurance
    4. Workers' compensation exemption
    5. Professional liability insurance
    6. Commercial umbrella insurance
    Contractor Bonds
    Best Liability Insurance For Contractors
    Best Liability Insurance For Contractors
    Keep your fleet and business driving forward with customized coverage from our commercial auto insurance experts. Your clients can add you to their general liability policy as an additional insured. With decades of combined experience serving contractors across the United States, The Allen Thomas Group Insurance Agency has become specialized experts at crafting customized insurance solutions for the unique needs of contractors like you. Protect against things like lawsuits and other liabilities with contractors insurance through The Allen Thomas Group . Protect against things like lawsuits and other liabilities with contractors insurance through The Allen Thomas Group .

    Some key reasons contractors need insurance include:Lawsuits - You may face liability claims over property damage, injuries, mistakes, and more. Construction claims are complex and potentially volatile. An independent insurance advisor like The Allen Thomas Group will shop multiple carriers to find your optimal blend of coverage, limits and cost. An independent insurance advisor like The Allen Thomas Group will shop multiple carriers to find your optimal blend of coverage, limits and cost.

    As an independent insurance agency, The Allen Thomas Group has the experience, carrier access and resources to protect contracting businesses. To show a client that you are covered, request a general liability certificate of insurance. Commercial property insurance offers financial protection for your workspace and its contents, and is often required by landlords to sign a lease. Commercial property insurance offers financial protection for your workspace and its contents, and is often required by landlords to sign a lease.

    For instance, a $1 million per occurrence/$2 million aggregate policy would cover up to $1 million for each individual claim, up to $2 million cumulatively for the policy term. Without proper insurance, a single incident could devastate your finances or even put you out of business. Provide organizations of all sizes with coverage against data breaches and other fast-evolving cyber risks. Provide organizations of all sizes with coverage against data breaches and other fast-evolving cyber risks.

    Contractor Liability Coverage - Indemnity

    1. Additional insured
    2. Retroactive date
    3. Commercial property insurance
    4. Workers' compensation exemption
    5. Professional liability insurance
    6. Commercial umbrella insurance


    Contractor General Liability Coverage
    Typical limit is $1 million. No matter their size or role in a project, businesses should understand both operational and financial risks involved with selecting contractors/vendors. No matter their size or role in a project, businesses should understand both operational and financial risks involved with selecting contractors/vendors.

    A BOP packages contractors liability and coverage for personal property and commercial buildings into one policy.

    Contractor Liability Coverage - Occurrence

    • Additional insured
    • Retroactive date
    • Commercial property insurance
    • Workers' compensation exemption
    • Professional liability insurance
    A BOP packages contractors liability and coverage for personal property and commercial buildings into one policy.

    Whether you own or rent space to work from, or possess costly equipment and assets for business use such as inventory and equipment that could be stolen, damaged, or destroyed - commercial property insurance would cover repairs or replacement should anything happen to it. Whether you own or rent space to work from, or possess costly equipment and assets for business use such as inventory and equipment that could be stolen, damaged, or destroyed - commercial property insurance would cover repairs or replacement should anything happen to it.

    It covers medical expenses, lost wages, and rehabilitation costs, protecting both contractors and their workers.3. It covers medical expenses, lost wages, and rehabilitation costs, protecting both contractors and their workers.3.

    Contractors Liability Coverage

    Contractor General Liability Coverage

    Policies typically feature deductibles ranging from $1,000 to $25,000. Your premium costs depend upon both the size and risk profile of your business, with smaller operations usually needing lower premiums due to lower risk exposure.

    General, professional and employer liabilities are the three major forms of liability protection available today.

    Draft an explicit scope and contract agreement with clients; this will establish open lines of communication. Secure general/professional liability coverage from The Allen Thomas Group as soon as you start operating a business.

    Contractor's all risk (CAR) coverage provides protection for losses related to fire, flood, windstorm, earthquakes or construction faults occurring during a building project. Contractors hired as project leaders should strongly consider taking out CAR policies.

    Professional liability insurance provides coverage for professionals and businesses to protect them against claims of negligence by clients or customers. Policies generally cover negligence, copyright infringement, personal injury claims and more.

    Check our other pages :