Contractors Insurance
Berlin, Elizabeth, Greensburg, Johnstown, McKees Rocks, Pittsburgh
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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Contractors Insurance
What is contractor liability insurance?
Contractor liability insurance, also called contractor insurance or craftsmanship insurance, is a specialized liability insurance that covers the daily risks contractors face.
Contractor business insurance is a combination of different policies designed to protect you from financial risk or loss, such as someone getting hurt on a job site, theft of tools or equipment, or an auto accident.
Who needs contractor liability insurance?
If you’re a contractor or subcontractor that deals in repairing, creating, or installing things in homes and businesses, it could be the end of your business and livelihood if something goes wrong and you don’t have the proper insurance coverage. It’s strongly recommended that all contractors maintain an active contractor liability insurance policy.
Do I qualify for contractor insurance?
Contractors are typically focused on one or two parts of a project, such as plumbing or carpentry. These contractors provide services that require specific liability needs, as each trade has unique risk factors and the potential for accidents.
If the description above fits you, chances are good you qualify for liability insurance!
Examples of artisan contractors:
- Drywall contractors
- Paving contractors
- Framing contractors
- Carpenters
- Electricians
- HVAC
- Landscapers
- Plumbers
- Roofers
- Painters
- Masonry workers
- And others
What types of business insurance policies should a contractor have?
Every insurance policy is different and should be tailored to your specific needs, but—in general—you want to ensure you’re protecting your employees, tools, equipment, autos, and business with the following coverages:
- General Liability
- Commercial Auto
- Commercial Umbrella
- Builders Risk
- Inland Marine
- Workers Compensation
Is business insurance required for contractors?
Contractor liability insurance requirements vary by state. Some states or municipalities require general liability insurance for craftsmen to get a business license. Landlords may also require general liability insurance if you lease their space. Specific levels of coverage may also be required depending on the state where your business is located or the type of customer you’re serving.
Beyond basic requirements, you can benefit from having liability insurance. As an insured, specialized contractor, you’re more likely to receive additional contracts and business. Many general contractors and customers won’t offer you work unless you have proof of liability insurance.
How do I get liability insurance?
Contact your Dott-Leavitt Insurance Services insurance advisor to determine what your needs are. They will give you more details about specific coverages and deductibles and help you tailor an insurance plan that's right for you and your business.
