Contractors insurance

What contractors usually carry

General liability

Pays when your work injures someone else or damages their property.

For example Your ladder slides and puts a crack through the customer's bay window.

Tools and equipment

Covers tools and gear on the truck, in the trailer and at the job site, not only in the shop. Insurance people call it inland marine.

For example Someone empties your job trailer overnight.

Commercial auto

Covers the trucks and vans you drive for work, including damage to the vehicle when you add it.

For example Your work truck rear-ends someone on the way to a bid.

Workers' comp

Pays medical bills and lost wages when an employee gets hurt on the job. In construction, Tennessee and Kentucky require it from your first employee.

For example Your helper comes off a roof and breaks a wrist.

Builders risk

Covers the building and materials while the project is going up.

For example A storm flattens the framing two days before the roof is on.

Umbrella

Extra liability limits that sit on top of your other policies.

For example A serious injury claim runs past your general liability limit.

Certificates and additional insureds

A certificate of insurance shows the coverage you have. It doesn't add anyone to your policy. When a general contractor or owner asks to be an additional insured, that takes a change to the policy itself.

For example The GC won't let your crew on site until they have your certificate, with them listed as an additional insured. Call us and we'll send both.