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Arlington Contractors Insurance

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From Arlington Workers’ Compensation Insurance to General Liability, Commercial Auto Insurance More We Are Your Easy & Stress Free Construction Insurance Provider in Arlington, TX!

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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.

Arlington Texas General Liability Insurance

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.

Arlington Workers’ Compensation Insurance

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.

Arlington Commercial Auto Insurance

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.

Arlington Builder’s Risk Insurance

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.

Arlington Inland Marine Insurance

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.

Arlington Commercial Umbrella Insurance / COI

Commercial umbrella insurance, also known as a certificate of insurance (COI), provides additional liability coverage beyond the limits of other insurance policies. Contractors in Arlington need to have commercial umbrella insurance because it can provide extra protection against the financial impact of unexpected accidents or injuries that may occur on the job.

Here are some examples of what commercial umbrella insurance might cover for contractors in Arlington:

  • Excess liability: Provides additional liability coverage beyond the limits of other insurance policies, such as general liability insurance or workers’ compensation insurance.
  • 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.

Arlington ACORD Certificate

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.

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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