Contractors Insurance Experts

Insuribly Group insures many different types of contractors from Landscapers, Electricians, Carpenters, and many more!

We are dedicated to providing you with personalized insurance solutions that fit your unique needs as a Builder; General Liability, Builders Risk, Commercial Auto?

We have what you need and more…

There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

• Independent construction contractors
• Plumbers, carpenters, electricians and painters
• Repair people
• House and carpet cleaners
• Freelance writers, editors and graphic designers
• Independent hair stylists, and salon professionals
• Horse or dog trainers
• and more…

The contractors general liability coverages can often be bundled with a few other coverages to create a business owners policy, or BOP.

This serves two purposes. It expands the policy to cover risks that small business owners face, and also typically results in a discount on the cost of your insurance.

Some of the additional coverages that can typically be bundled with a BOP include:

• Property damage: This insurance covers your owned or rented property if it is damaged. This includes office buildings, storage facilities, warehouses, workshops, or garages. It does not cover commercial vehicles.
• Business income: This protects you from loss of income if your business is interrupted due to a covered loss. It usually covers income and operating expenses for up to 12 months.
• Commercial auto: Insures your cars, trucks, vans, specialized trucks or any vehicles used for business purposes.

In most states if you have employees then this isn’t even a question of do I want this? This is a must to be able to employee staff. Workers Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of cost of injuries to an employee. Some examples of this can be things like:

• Injury at Work
• Disease caused by work environment

In most cases an incident would need to take place while the employee is at the place of employment, however it would be best to discuss with your local independent insurance agent for more of a case by case basis.

When you are looking for the right contractors insurance for your business, you will have many choices, including whether to buy professional liability insurance, also known as “errors and omission” insurance or “E & O.”

E & O is a liability policy that protects you if you make a mistake that causes a financial loss to a client. Similar to general liability, it will provide legal defense and claims settlements, if necessary.

You may want or need this coverage under the following circumstances:

You provide professional advice in your line of work. This can include everything from recommending a particular type of plumbing or wiring to providing interior design services.

You hire employees or subcontractors who provide any sort of advice or consulting services.

Your state requires you to have E & O insurance due to the work you perform.

If you utilize subcontractors, it is a good idea to make certain they are insured with professional liability as well, as they may not be covered by your policy.