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What types of contractors insurance are available?
There is a wide variety of contractor insurance options. Here are common coverages for contractors.
General liability coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.
Business personal property off premises
When business personal property is selected, coverage is extended to tools, equipment, building materials and supplies at installation sites, in transit, and away from premises.
Any vehicles owned by your business must adhere to state auto insurance laws. You can also protect your vehicles from various damages.
This covers property and raw materials while construction is underway. This type of policy is often written per project.
Contractors may or may not need workers compensation. This coverage compensates employees for medical expenses and lost wages after an on-the-job injury.