You run a great business as a professional contractor. You’re proud of your work and the business you’ve created. Your job is rewarding and the look on the homeowners face is priceless when they see the difference you’ve made on their home or business in a short amount of time. Because you’re doing work at your customer’s home or place of business you need an insurance policy created specifically contractors.
General Liability Insurance: General liability insurance will protect you from bodily injury and property damage coverage. This is the most common type of contractor coverage.
Commercial Auto Insurance: This is coverage for your vehicle. If you’re using your pickup truck for work-related purposes, you need to have a special policy for commercial use.
Business Owners Insurance Policy (BOP): This coverage can include coverage to protect your commercial buildings and contents, interruption of your business and liability protection which covers your expenses for harm caused to others in the course of work. This does not cover professional liability.
Workers Compensation: This coverage is regulated by the state. If you run a business by yourself, you don’t necessarily need workers comp insurance. The coverage protects your workers from work-related injuries until they can get back to work.
When you’re ready to receive an insurance quote for your professional contracting business in Pennsylvania, give us a call. Our licensed staff will walk you through the coverages you need and can quote you with multiple companies to find you the best rates on the coverages you need.