No two days in the life of a contractor are the same. Every job brings a different set of problems and risks; the last thing you need to be worried about is whether you are covered against a possible loss. Contractor’s insurance helps to minimize your risk exposure, allowing you to spend more time focused on the job at hand.
We have extensive knowledge and experience in meeting the insurance coverage needs of contractors. We offer a broad range of insurance solutions for contractors in many different industries, some of which include:
- Carpenters
- Electricians
- Plumbers
- HVAC contractors
Types of Contractor’s Insurance
All contractors need insurance, but the type and amount of coverage will vary according to your needs. You and your agent can determine which types of insurance will keep you legally and professionally compliant with the standards within your industry, as well as which types of coverage can help protect the continuity of your business and your financial future.
General Liability Insurance
Contractor’s liability insurance is coverage that protects you against claims of injury or financial loss caused by your work or the activities of your employees. If your business has a physical location other than the work site, it can also protect you if someone slips and falls or becomes injured while on your commercial property.
Workers Compensation Insurance
A contractor’s work is risky business. If one of your employees becomes injured on the job, workers compensation insurance pays for medical bills and rehabilitative costs associated with the incident. It also covers wages lost by the employee during the recovery period. As an employer, you can rest assured that your staff will receive the care they need and have peace of mind knowing you are protected against a possible lawsuit.
Commercial Auto Insurance
As a contractor, your company vehicle plays a vital role in your business. Whether you work alone out of a single vehicle or own a business with an entire fleet of company trucks, you will need commercial auto insurance to protect your vehicle and your drivers, as well as to shield your business against liability stemming from a possible accident. From pickup trucks to dump trucks, we can help you find coverage for nearly any vehicle you need to insure.
Contractor’s Equipment Coverage
What types of tools, equipment, and machinery do you use to do business? Contractor’s equipment insurance covers your portable equipment against damage on the job.
Business Umbrella Insurance
All it takes is one major lawsuit to put you out of business. Even the limits on standard commercial liability insurance cannot hold up to a class action lawsuit brought by several of your customers. Umbrella insurance can provide an added layer of protection when you need it most, kicking in with millions of dollars in extra liability protection when you exceed the limits on your primary liability insurance policies.
Poplar Bluff Contractor’s Insurance
You have enough to manage without worrying about how to keep up with multiple insurance policies from several different companies. At Ozark Legacy Insurance Partners, we are your one-stop for all of your contractor’s insurance needs. Our team will shop around to find all the coverage you need, all with your bottom line in mind. We will guide you through selecting, purchasing, and maintain your insurance, and we will always be available if you have questions about your policy or coverage.
For more information about contractor’s insurance in the greater Poplar Bluff area, contact our office today.
