Contracting and construction work can involve significant risks—from property damage and injuries to tools, vehicles, subcontractors, and job-site liability. The right insurance program can help protect your business when something unexpected happens.
Willard Insurance Agency can help contractors review their operations and build coverage around the work they actually perform.
Contractor insurance is usually made up of several policies working together. The right combination depends on your trade, payroll, vehicles, tools, subcontractors, contracts, and job-site exposures.
Helps protect your business from certain third-party claims involving bodily injury, property damage, and completed-operations liability.
Provides benefits for eligible employees who suffer work-related injuries or illnesses, subject to state law and policy terms.
Helps protect trucks, vans, and other vehicles used in your contracting business, including liability and physical damage options.
Can help protect portable tools, machinery, and equipment that travel between your shop, vehicles, and job sites.
May help protect buildings and materials during certain construction projects while work is underway.
Can provide additional liability limits above eligible underlying policies when a major claim exceeds those primary limits.
Contractors often work at customer locations, transport equipment, use subcontractors, and perform work that can create completed-operations liability long after the job is finished. Insurance should reflect those realities.
A visitor, customer, or third party could be injured at your shop or on a work site.
Installation, repair, renovation, or construction work can accidentally damage property you are working on or around.
A problem caused by completed work may not appear until weeks or months after the project is finished.
Portable equipment can be stolen, damaged, or lost while being transported or used away from your primary location.
Pricing can vary significantly from one contractor to another because the work, payroll, tools, vehicles, and claims exposures can be very different.
Coverage may be available for many trades, including general contractors, carpenters, electricians, plumbers, HVAC contractors, painters, landscapers, remodelers, drywall installers, roofers, and other eligible construction and service businesses.
Willard Insurance Agency can help you review your contractor exposures and build coverage around the work you perform, the people you employ, and the equipment you depend on.
