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Starting a successful contractor business has been your dream and now that you’ve achieved it, you want to make sure that you’re protected from every angle. There is a significant amount of financial risk that comes with being a contractor and running your business carries certain obligations and legal responsibilities.
Most clients legally require that you are covered before accepting your contract. Clients can also make claims against your for any mistakes made on their projects. Injuries could occur on the job, leaving your staff or contracted service providers to seek out compensation. These types of claims can be costly.
It’s up to you to protect your business by securing a policy that will cover the costs in the event of being sued for property damage or bodily injury.
This is considered to be a best practice for any independent contractor, as individuals hiring you for your services are likely to contract a company that carries sufficient protection. But if you have plans to pursue federal government or even state and local government contracts, you will be required to carry insurance.

What Type of Coverage Is Best?

Contractor insurance policies are generally issued to cover the contractor, the person or company they are providing services to and any person, such as a homeowner, who is directly impacted by the work of a contractor. The policy will cover accidental property or equipment damage as well as protection from medical and legal costs brought on by a third party.
It’s important to realize that there are two areas that contractor insurance will not cover. The first is deliberate acts of negligence and the second is acts that occur due to a continued pattern of poor workmanship, although documentation and proof of poor workmanship would be needed before denying any claim.
Also important to consider is the length of your policy. Faulty construction is often not evident until long after the work has been completed, so you may not find a claim filed until many years after the job is finished. A good policy will leave you protected even into retirement.
This type of peace of mind is priceless. News Insurance will help you eliminate the stress and anxiety over accidental damage to property or personal injury to others, leaving you to focus solely on providing the best contracting services possible.
We can help assess your needs and determine the best way to shield you and your business from financial devastation. We provide all the various forms of insurance and bonds necessary for contractors. Whether you need commercial general liability coverage or a license or permit bond our office can supply all your business needs to protect your business operations and ensure your business is in compliance with state requirements.
Our team comprises of licensed and experienced insurance professionals with strong customer and community ties. Our agents know which insurance carriers are the best for your specific needs and help you understand your coverage and quotes. Finding you the best coverage and service, we help you save your time, energy and the daily hassles.

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