As a contractor, you face a unique set of risks and liabilities that require specialized coverage. At T.A. Swain Insurance Group, our team is dedicated to providing comprehensive contractors insurance solutions to safeguard your business from unexpected events such as property damage, lawsuits, and injuries on the job site. Don't let unforeseen circumstances put your business at risk - trust us to provide the coverage you need for peace of mind.
Provides coverage for damages or injuries that occur as a result of the contractor's work, including property damage, bodily injury, and personal injury. This coverage can help protect contractors from lawsuits and other legal claims that may arise as a result of accidents or injuries on the job site.
It is designed to provide coverage for injuries and illnesses that employees may sustain while working on the job site. This coverage can help pay for medical expenses, lost wages, and other costs associated with employee injuries.
Provides coverage for vehicles used for business purposes, including construction vehicles and other equipment. This coverage can help protect contractors from financial losses resulting from accidents, theft, or other types of damage to their vehicles.
This coverage can protect a contractor's business property from damage or loss due to various causes such as fire, theft, vandalism, and natural disasters. It includes the contractor's equipment, tools, materials, and even buildings or structures. Property insurance can also cover loss of income due to the inability to operate the business following a covered loss.
Also known as Errors & Omissions (E&O) insurance, this coverage can protect contractors from claims related to professional errors or omissions that cause financial harm to clients. For example, if you make a mistake during a project that results in financial loss for your client, this insurance can help cover the costs of any resulting legal fees or damages.
This coverage can provide additional liability protection beyond the limits of other policies. For example, if a contractor is sued for damages that exceed the limits of their general liability insurance, an umbrella policy can provide additional coverage to help pay for the damages. Umbrella insurance can also cover other liability risks that may not be covered by other policies, such as libel and slander.
The cost of contractors insurance can vary widely depending on several factors, such as the type of work the contractor does, the location of the business, the size of the business, and the coverage limits and deductibles selected. It's best to speak with an insurance agent who specializes in contractors insurance to obtain a more accurate quote based on your unique business needs and circumstances.