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Business Insurance for Contractors in the United States
As a contractor in America, it is important to have the right insurance coverage to protect your business and employees. This article discusses several types of insurance that may be relevant for contractors in the USA, including contractor’s general liability insurance, workers’ compensation insurance, commercial auto insurance, builder’s risk insurance, inland marine insurance, and commercial umbrella insurance.
These types of insurance cover a range of risks, including bodily injury, property damage, personal injury, medical expenses, lost wages, vehicle damage, construction site damage, and liability protection.
By understanding the different types of insurance available, contractors in the United States can make informed decisions about the coverage they need to protect their business.
Your USA Insurance Questions Answered
Get answers to your most common questions from Contractors Liability
For General Liability Insurance in most states in the USA 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 the United States are $1,000,000/$2,000,000.
For Commercial Auto Insurance in the USA 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 vehicle in the United States you need to have Comprehensive and collision coverage. Commercial Auto Collision Insurance in the USA covers any collision and Comprehensive Commercial Auto Insurance covers anything but collision.
For Workers Compensation Insurance in the USA 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.