Answers to Common Questions About Contractor Coverage
Ensure your business is prepared for any unexpected events with comprehensive liability protection. Whether you manage a small team or handle large-scale projects, this coverage helps defend your contracting business from claims that arise due to accidents or damage. Our tailored solutions ensure that you can focus on your work without worrying about potential legal issues or financial risks.
Every contractor faces risks, from job site incidents to third-party claims. With this coverage, your business is protected, giving you the peace of mind to handle daily operations confidently.
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Why do I need insurance if I am a general contractor and subcontract 100% of my business to insured sub-contractors?
Your limits are split with your subcontractor giving you substantially less coverage.
Do you really know what your subcontractor is covered for?
Do you think your sub-contractor’s insurance company will have your best interest in mind? No, you need to cover yourself!
Do you have a question?
Call us 24/7.
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- Get your certificate of insurance.
- Update your coverage.
- Edit billing info.
- Change business address.
- Customer Service.
FAQ: What Isn’t Covered by Contractor Liability Insurance?
No, injuries to employees are not included. Workers' Compensation Insurance is required to handle these situations.
No, any errors in professional advice or services are not covered. You’ll need Errors and Omissions Insurance for that.
No, claims related to company vehicles require Commercial Auto Insurance.
Typically not. Punitive damages, which are meant to punish, are not usually included in standard liability policies.
No, intentional acts of damage are excluded from coverage.
No, poor workmanship or errors in the job itself are not covered by liability insurance.
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