Contractors Insurance

Contractors Insurance

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor’s operation.

What a Contractors Insurance Package Covers

Contractor’s insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

  • A Business Owner’s Policy
  • General Liability Insurance
  • Worker’s Compensation
  • Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do.

Cover Your Equipment

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it’s probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

The Service Agency’s goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you’re one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

What others say about us…

The Service Agency is a GREAT business! They found us a great discount that we didn’t even know we qualified for, which shows me that they go above and beyond. I would recommend this business and to EVERYONE!!

Colleen NSatisfied Customer

The name says it all! Excellent, caring customer service in a friendly, welcoming manner. And, as an independent agency you can trust you’re with the best company and paying a fair rate!

Kaydi SSatisfied Customer

Kris and his team at the Service Agency and really live up to their name. When I was in an accident last year they helped me with my claim and handled everything quickly and easily.

John HSatisfied Customer

We are so happy we chose The Service Agency to help us navigate through our insurance needs.

Ann GSatisfied Customer