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El Paso Contractors Insurance

The Construction Insurance You Need Fast, Cheap & Easy!

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

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Business Insurance for Contractors in El Paso

Are you an El Paso, Texas contractor in need of business insurance? Look no further.

Our insurance packages are tailored to meet the specific needs of contractors in El Paso, offering comprehensive coverage options, including general liability, workers’ compensation, commercial auto, builder’s risk, inland marine, and commercial umbrella insurance. Protect your business with the peace of mind that comes with knowing you’re covered.

But first, let’s dive deeper into what types of insurance coverage you may need for your business.

El Paso Contractors General Liability Insurance

General liability insurance is an important type of insurance for contractors in El Paso, Texas, as it helps protect your business from the financial consequences of accidents, injuries, and property damage that may occur during your work. Some key features of contractor’s general liability insurance include:

  • Coverage for third-party bodily injury and property damage: If someone is injured or their property is damaged due to your work, your general liability insurance will cover the cost of any damages.
  • Defense costs: If you are sued due to an accident or injury, your general liability insurance will cover the cost of your legal defense, even if the claim is unfounded.
  • Personal and advertising injury: This coverage protects you if you are accused of libel, slander, or copyright infringement during your business activities.
  • Medical payments: If someone is injured on your job site and requires medical treatment, your general liability insurance will cover the cost of their medical care.

El Paso Workers’ Compensation Insurance

Workers’ compensation insurance is another important type of insurance for contractors in El Paso, as it provides financial protection for your employees if they are injured on the job. Some key features of workers’ compensation insurance include:

  • Medical benefits: This coverage pays for an injured employee’s medical treatment and rehabilitation expenses.
  • Disability benefits: Workers’ compensation insurance will provide financial support to cover their lost wages if an employee cannot work due to an injury.
  • Death benefits: Workers’ compensation insurance will provide financial support to their surviving family members if an employee dies due to a work-related injury.
  • Employer protection: Workers’ compensation insurance also protects employers from being sued by employees for work-related injuries.

El Paso Commercial Auto Insurance

Suppose you own or operate a vehicle for your contracting business in El Paso. In that case, it is important to have commercial auto insurance to protect you from the financial consequences of accidents, injuries, and property damage. Some key features of commercial auto insurance include:

  • Liability coverage: This coverage protects you if you are found to be at fault in an accident and are sued for damages. It covers the cost of damages to other vehicles and property and injuries to other drivers and passengers.
  • Physical damage coverage: This coverage pays for damages to your vehicle if it is damaged in an accident, regardless of who is at fault.
  • Medical payments coverage: This coverage pays for the medical expenses of you and your passengers if you are injured in an accident.
  • Uninsured/underinsured motorist coverage: This coverage protects you if you are involved in an accident with a driver who does not have enough insurance to cover the damages.

El Paso Builder’s Risk Insurance

Builder’s risk insurance is specifically designed to protect contractors and builders from the financial consequences of damage to a construction project. Some key features of builder’s risk insurance include:

  • Coverage for damage to the project site: This includes damage from natural disasters such as storms, fires, and earthquakes, as well as damage from theft or vandalism.
  • Coverage for materials and equipment: Builder’s risk insurance will cover the cost of replacing materials and equipment that are damaged or stolen during the construction process.
  • Coverage for delays: If the construction project is delayed due to damage or other unforeseen circumstances, builder’s risk insurance can provide financial support to help cover the extra costs.
  • Coverage for extra expenses: If you incur additional expenses due to damage to the construction project, builder’s risk insurance will help cover these costs.

El Paso Inland Marine Insurance

Inland marine insurance is a type of insurance that covers the transportation of goods and equipment, as well as the property of others that is in your care, custody, or control. Contractors often use it to protect their tools and equipment as they are moved from job site to job site. Some key features of inland marine insurance include:

  • Coverage for loss or damage to goods and equipment: If your tools or equipment are lost, damaged, or stolen during transportation, inland marine insurance will cover the cost of replacing them.
  • Coverage for property in your care, custody, or control: If you are responsible for the care of someone else’s property and it is damaged or destroyed, inland marine insurance will cover the cost of replacing it.
  • Coverage for equipment breakdown: If your equipment breaks down and needs to be repaired or replaced, inland marine insurance will cover the cost.

El Paso Commercial Umbrella Insurance / COI

Commercial umbrella insurance, also known as a certificate of insurance (COI), is an additional layer of liability insurance that protects the limits of your other insurance policies. It is a good option for El Paso contractors who want extra protection against large claims or lawsuits. Some key features of commercial umbrella insurance include:

  • Extra liability coverage: If the limits of your other liability insurance policies are reached, commercial umbrella insurance will provide additional coverage to protect your business.
  • Coverage for a wide range of risks: Commercial umbrella insurance can cover many risks, including accidents, injuries, and property damage.
  • Flexibility: You can choose the amount of coverage you need, up to the limits of your policy, to ensure that your business is fully protected.
  • Peace of mind: Having commercial umbrella insurance gives you the peace of mind of knowing that your business is protected against unexpected and potentially costly risks.

El Paso ACORD Certificate

An ACORD Certificate (also known as an ACORD Certificate of Liability Insurance) is a standardized form that provides proof of liability insurance coverage. Contractors often use it in El Paso, Texas, to provide evidence of their insurance coverage to clients, landlords, or other parties that may require it. The ACORD Certificate includes information about the type of coverage, the limits of liability, and the policy’s effective dates. It may also include endorsements or exclusions that affect the coverage provided.

The ACORD Certificate is an important document for contractors. It helps demonstrate to clients and other parties that they have the necessary insurance coverage to protect their business and their client’s interests.

Business Insurance for Contractors in El Paso, Texas

As a contractor in El Paso, Texas, it is important to have the right business insurance coverage to protect your business from the financial consequences of accidents, injuries, and property damage. At our firm, we understand the unique insurance needs of contractors in El Paso, and we have carefully designed insurance packages to meet those needs.

We encourage contractors in El Paso to work with us at our firm to protect their businesses. We are committed to providing our clients with the highest service and support. Contact us today to learn more about our insurance packages for contractors in El Paso and to get a quote for your business.

Your El Paso Contractors Insurance Questions Answered

Get answers to your most common questions from Contractors Liability

For General Liability Insurance in El Paso 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 El Paso 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 El Paso vehicle you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in El Paso, TX covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.

For Workers Compensation Insurance in El Paso 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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