Insurance For Arlington Contractors
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Business Insurance for Contractors in Arlington
As a contractor in Arlington, Texas, it’s important to protect your business with the right insurance coverage. From general liability insurance to workers’ compensation insurance, various types of coverage can help protect your company against the financial impact of unexpected events.
In this article, we’ll take a closer look at the various types of insurance contractors in Arlington should consider and how they can help protect your business. Whether you’re just starting out or have been in business for a while, it’s never too late to review your insurance coverage and ensure you have the protection you need.
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General Liability Insurance for Contractors in Arlington, Texas
General liability insurance protects contractors from claims made by third parties for bodily injury, property damage, and personal and advertising injury. It covers the cost of legal defense and any damages awarded due to a lawsuit. This insurance is important for contractors in Arlington because it can protect against the financial impact of unexpected accidents or injuries that may occur on the job.
Here are some examples of what general liability insurance might cover for contractors in Arlington:
- Bodily injury: Covers medical expenses, lost wages, and other related costs if someone is injured on your job site.
- Property damage: Pays for repairing or replacing someone else’s property that is damaged as a result of your work.
- Advertising injury: Covers claims related to defamation, copyright infringement, and other similar issues that may arise with your business’s advertising efforts.
Workers’ Compensation Insurance for Contractors in Arlington, Texas
Workers’ compensation insurance is a type of insurance that provides financial benefits to employees who are injured on the job. It covers medical expenses, lost wages, and other related costs. In Arlington, contractors must carry workers’ compensation insurance if they have employees. This insurance is important because it helps to protect both the employer and the employee in the event of a workplace injury.
Here are some examples of what workers’ compensation insurance might cover for contractors in Arlington:
- Medical expenses: Pays for medical treatment and other related expenses, such as physical therapy or prescription medication.
- Lost wages: Provides financial assistance to employees who cannot work due to a workplace injury.
- Rehabilitation expenses: Covers the cost of rehabilitation services, such as physical or occupational therapy, to help employees recover from injuries.
Commercial Auto Insurance for Contractors in Arlington, Texas
Commercial auto insurance is a type of insurance that covers vehicles used for business purposes. Contractors in Arlington need to have commercial auto insurance because it can protect against the financial impact of an accident or other unexpected event involving a business-owned vehicle.
Here are some examples of what commercial auto insurance might cover for contractors in Arlington:
- Bodily injury: Covers medical expenses, lost wages, and other related costs if someone is injured in an accident involving a business-owned vehicle.
- Property damage: Pays for repairing or replacing someone else’s property damaged in an accident involving a business-owned vehicle.
- Physical damage: Covers the repair or replacement of the business-owned vehicle in an accident or other covered event.
Builder’s Risk Insurance for Contractors in Arlington, Texas
Builder’s risk insurance is a type of insurance that protects contractors against the financial impact of damage or loss to a construction project. It covers the cost of repairing or replacing materials and equipment that are damaged or lost during the construction process. This insurance is important for contractors in Arlington because it can help to protect against the financial impact of unexpected events that may occur during the construction process.
Here are some examples of what builder’s risk insurance might cover for contractors in Arlington:
- Damage to the construction site: This covers the cost of repairing or replacing materials and equipment that are damaged or lost due to events such as storms, fires, or vandalism.
- Loss of materials: Pays for the cost of replacing materials that are lost due to events such as theft or misplacement.
- Delay in completion: Provides financial assistance if the construction project is delayed due to a covered event, such as a natural disaster.
Inland Marine Insurance for Contractors in Arlington, Texas
Inland marine insurance is a type of insurance that covers the transport and storage of goods and equipment that are used in the course of business. Contractors in Arlington need inland marine insurance because it can protect against the financial impact of damage or loss to these goods and equipment while in transit or storage.
Here are some examples of what inland marine insurance might cover for contractors in Arlington:
- Damage or loss to goods in transit: Covers the cost of repairing or replacing damaged or lost goods during transport.
- Damage or loss to equipment in storage: Pays for repairing or replacing equipment that is damaged or lost while in storage.
- Damage or loss to tools and equipment: Covers the cost of repairing or replacing tools and equipment that are damaged or lost while in use.
Commercial Umbrella Insurance for Contractors in Arlington, Texas
An affordable Commercial umbrella insurance policy gives your business extra protection. It can be used to cover claims that exceed the limits of certain liability policies you have. If you do not have a low cost commercial umbrella insurance coverage, you will have to pay from your own pocket amounts that exceed your policy limits. This can include: Medical bills, Legal costs, damage to other people’s property and judgments.
Here are some examples of what a cheap commercial umbrella insurance policy might cover for contractors in Arlington:
- Additional liability policy limits: Provides additional liability coverage beyond the limits of other insurance policies, such as general liability insurance or Commercial auto insurance. It does not cover things like workers compensation.
- Personal injury: Covers claims related to defamation, invasion of privacy, and other similar issues that may arise with your business.
- Property damage: Pays for repairing or replacing someone else’s property that is damaged as a result of your work.
- Bodily injury: If a customer gets hurt at your business or as a result of your business operations
It is important to remember that the Umbrella policy only “kicks in” when the underlying liability insurance policy limits have been reached.
ACORD Certificates for Contractors in Arlington
An ACORD certificate is a document that provides proof of insurance for a business. It includes information about the types and limits of insurance coverage the business has. Contractors in Arlington may be required to provide an ACORD certificate to clients or other parties as evidence of their insurance coverage.
This certificate is important because it helps show prospective clients that contractors have the necessary insurance coverage to protect against unexpected events’ financial impact.
Business Insurance for Contractors in Arlington, Texas
As a business owner in Arlington, it’s important to protect your company with the right insurance coverage. Our firm offers carefully designed insurance packages for contractors in Arlington, Texas.
Our team understands contractors’ unique needs and risks, and we work with you to create a customized insurance plan that meets your specific needs. Whether you need general liability insurance, workers’ compensation insurance, commercial auto insurance, or any other types of coverage mentioned above, we can help.
In addition to our comprehensive insurance packages, we offer flexible payment options and exceptional customer service. Our team is here to answer any questions and help you navigate the process of finding the right insurance coverage for your business.
If you want to get the best coverage now, from the best carriers and at the lowest price, call us at (866) 225-1950 or click for a free quote. We can assist you and answer all your questions 24/7!
Your Arlington Contractors Insurance Questions Answered
Get answers to your most common questions from Contractors Liability
For General Liability Insurance in Arlington you need $1,000,000 per occurrence and $2,000,000 aggregate almost 100% of the time. 99% of all General Liability policies we sell in Texas are $1,000,000/$2,000,000.
For Commercial Auto Insurance in Arlington you need $1,000,000 CSL meaning $1,000,000 Combined Single Limit for Bodily Injury and Property Damage to the other party combined. To protect your Arlington vehicle you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in Arlington, TX covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.
For Workers Compensation Insurance in Arlington you need $500,000/$500,000/$500,000 in general. This covers your workers in the event of a claim where the owner is liable up to $500,000. In 99% of cases the owner is not liable and coverage for workers compensation is unlimited.
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