CONTRACTOR INSURANCE
WORKERS’ COMPENSATION INSURANCE
If one of your employees gets injured while at work, you’ ll need robust workers’ compensation coverage. Because your general liability insurance doesn’ t cover worker-related injuries, this is a separate add-on. Most clients— especially government clients— will require you to have this type of coverage before hiring your team.
While the above coverage types are common and important, there are many other components of contractor insurance, such as inland marine coverage, commercial property insurance, builder’ s risk coverage, business auto coverage, and equipment breakdown coverage.
ADDITIONAL SECURITY: CONTRACTOR SURETY BONDS
Although surety bonds aren’ t typically thought of as a form of“ insurance,” they certainly act as one. At face value, surety bonds are meant to ensure that the work obligations are fulfilled while financial risks— on both sides— are reduced.
For contractors, surety bonds lock them into completing their side of the project while protecting those around the project, like clients and subcontractors. For instance, payment bonds guarantee that suppliers and subcontractors will be paid for their contributions even if the contractor fails to complete the project.
PROTECT YOUR BUSINESS, PROTECT YOUR LIVELIHOOD
As a business owner, it is up to you to ensure that everyone and everything surrounding your projects are safe and covered if the worst-case scenario happens. Climbing ladders, working with specialized tools, and doing work in hightraffic areas can result in disaster even for the most careful of contractors. It’ s part of life in the industry.
The best thing you can do to get ahead of these risks is secure proper insurance coverage. At Nesbit Agencies, we work with contractors all over the country, providing protection for the worst days of business. Our policies can be as intricate or as simple as your business needs, and you can count on them.
To figure out the types of coverage you should consider and get an idea of the costs associated with different policies, fill out our form. The process is simple, and the peace of mind is priceless. +
We’ re keeping insurance human.
To better support you and your customers. To help you protect businesses in your community. To keep your agency thriving.
This is our promise. Let’ s achieve it together. Learn more at emcinsurance. com
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