Deck Builder Insurance
Deck building is a billion-dollar industry with an expected annual growth rate of 2.7% from 2021-2027. Deck builders face many risks on the job, from accidents at the warehouse to malfunctioned power tools.
When a product installation is involved, contractors have an added liability if a client is injured. Deck builders must take precautions to protect themselves from lawsuits by ensuring the safety of their clients.
Deck builder insurance is necessary to protect contractors working in both residential and commercial settings. ContractorsLiability.com® offers affordable insurance for deck builders.
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What Is Deck Builder Insurance?
Deck builder liability insurance protects the deck building contractor from liability in the event of any claims of bodily harm or property damage to a third party. Simply put, deck builder insurance protects you and the employees of your business if something ever goes wrong.
Although it is difficult to anticipate when an accident will occur, the right insurance policy will ensure that you are covered no matter what comes your way. If there is a lawsuit against you and you are held responsible by the court without an insurance policy, you would be responsible for paying these costs out of pocket.
Court expenses can seriously impact personal and business finances and even lead to bankruptcy. These unexpected costs can be especially damaging if your business is a sole proprietorship. In that case, you’re liable to pay for a lawsuit out of not only your business bank accounts but also your personal ones.
Insurance protects your finances by covering medical expenses, attorney fees, witness fees, court expenses, and more. Deck builder insurance gives you the confidence to rest easy, knowing your company is protected.
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Instant Free QuoteHow Much Does Deck Builder Insurance Cost?
The cost of deck builder insurance varies from one company to the next based on factors such as policy limits and business operations. Additionally, the location of your business, the number of years you’ve been in operation, the number of employees you have, annual revenue, and the amount of coverage required are factors that affect the cost of your premium.
But that’s just a ballpark estimate. Our team at Contractors Liability specializes in helping you find the most affordable insurance plan for you, meaning that you could end up paying a lot less with us. We have the industry expertise to help you choose a plan that gives you exactly what you need – without paying for anything that you don’t.
The best course of action to get a clear idea of the cost of premium payments for deck builder insurance for your business would be to get a quote. You can get a quote within 24 hours with Contractors Liability. We will shop around for you and provide you with information on the best policy for your business.
Deck builder insurance covers businesses in the following areas of liability:
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Bodily Harm
If an individual who isn’t your employee is injured at your job site, warehouse, or office space because of your work, your policy will cover these costs.
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Completed Product Claims
If any costs are incurred from claims related to the deck that you installed, your policy will cover these costs.
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Copyright Claims
You are covered if your business faces copyright claims while advertising deck-building services on social media, websites, or other advertising campaigns.These could include claims regarding slander, libel, or infringement of copyrights or trademarks.
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Property Damage
You are covered if any damage occurs at a third-party property because of your work, including rented spaces and the client’s property.
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Damage to Reputation
Any costs incurred from claims related to slander, libel, violation of the right of privacy, and the like are covered by your policy.
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Medical Expense Claims
When an individual who isn’t your employee is injured on your property to the point of needing medical attention, your policy will cover these costs.
What Type of Insurance Is Available for Deck Builders?
With the rapid increase in demand in the deck building industry, the number of lawsuits against contractors has experienced a rise as well. A contractor must ensure that their business and family have protection from potential financial loss.
To provide the best quality insurance solution for deck builders, in addition to general liability insurance for deck builders, the following types of insurance are also recommended for your business:
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Workers Compensation Insurance
Covers the costs incurred if an employee suffers lost wages or medical expenses due to work-related illness or injury.
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Professional Liability Insurance
Covers any costs incurred due to malpractice or negligence claims, such as a claim that you did not complete your contract to its specifications.
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Inland Marine Insurance
Covers the tools, materials, products, and equipment of a business when transported to and from the work site or while temporarily stored by a third party. Even if tools or equipment are inside a vehicle covered by commercial auto insurance, inland marine insurance is a necessary add on to protect them.
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Umbrella Insurance
Covers your business against any catastrophe that exceeds the primary insurance policy. This adds an additional layer of protection.
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Commercial Auto Insurance
Covers the physical damage and liability of any vehicle used for business purposes and the employees who drive them.
Reputation Matters
Our customers trust us for great customer service and cost-effective coverage.
If you own a deck-building company, you’re aware of the many risks that this type of business faces regularly. Many clients and employees would not hesitate to take legal action against a contractor. To protect yourself, your employees, and your client, never begin a project without insurance coverage. Submitting proof of coverage to a client before you start any project sets you apart from the other deck builders in the industry. Proof of coverage builds trust between you and your client and makes them comfortable contracting your services. Comprehensive insurance can not only keep you safe, but also help build your reputation.
Our deck builder insurance is tailor-made to suit your business needs and protect you against the risks typically faced in your industry. With the array of different types of insurance available to deck builders, ContractorsLiability.com® eliminates the hassle and provides you with the help you need to keep your business well-covered. hether you need worker’s compensation insurance, inland marine insurance, or commercial auto insurance, you have guaranteed coverage working with Contractors Liability. The number of risks associated with deck building makes it crucial for a business to have the best possible insurance. Our deck builder insurance covers third-party medical expenses, bodily harm, property damage, and other claims as well. The professional team at ContractorsLiability.com® handpicks the best insurance policies on the market to provide you with the best policy for your needs at the lowest rates. Let us do the negotiation to find the best insurance solutions for you.
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