BUSINESS COVERAGE, WITH A PERSONAL TOUCH
Contractor insurance, built around your work.
Contractor insurance starts with understanding your trade. Let’s discuss your jobsites, equipment, people, and the places your work takes you.
Talk with LindaA contractor’s risks take more than one shape.
“Contractor insurance” can describe several coverages selected around your work. General liability may address certain claims involving injury to others or damage to their property. Tools and equipment, work vehicles, and employee injuries call for their own coverage discussions.
A remodeling business, electrical contractor, and landscaping crew may face different exposures. Tell Linda which services you perform, whether you use subcontractors, and whether projects are residential or commercial.
Bring the details that shape your work.
Start with your business name, trade, operating states, crew size, and a description of typical projects. Mention equipment you own or rent, where tools are kept, vehicles used for work, and any approaching renewal or project deadline.
If a client has requested insurance documentation, say so. Linda can arrange the next steps for reviewing relevant information. Keep contracts, driver information, and other sensitive documents out of the website inquiry form.
A LITTLE CLARITY
Questions worth asking.
Does general liability insure my tools?
Do not assume it does. Protection for your own tools or equipment generally needs a separate property or equipment coverage discussion, including where items are stored and transported.
Does one policy cover every project?
Project activities, exclusions, limits, and contract requirements can differ. Discuss new types of work and new operating states before relying on an existing policy.
Can Linda discuss work in more than one state?
Share the states and projects involved. Linda can discuss available options; eligibility and coverage depend on the insurer, policy, business, and state.
Let’s talk about your business.
Tell Linda what you do and where you operate. A conversation is the first step; submitting an inquiry does not start coverage.