General Liability Insurance For Contractors Near Me

General Liability Insurance For Contractors Near Me

Landscape Contractor Insurance Services

Like any other small business owner, an independent contractor can be sued and held liable for damages. Here are three coverage options that contractors should consider:1. Here are three coverage options that contractors should consider:1.

The Allen Thomas Group agents will evaluate your unique risks and operations to determine appropriate coverage limits that fit your budget while still fully protecting your business. The Allen Thomas Group agents will evaluate your unique risks and operations to determine appropriate coverage limits that fit your budget while still fully protecting your business.

The need for a knowledgeable, specialized insurer is paramount to your success. The need for a knowledgeable, specialized insurer is paramount to your success.

Independent contractors can also add business owners to their policy. insurance for contractors . Independent contractors can also add business owners to their policy.

Contractors Errors & Omissions —

This protection is required by law in most states. Insurance doesn't have to be complicated! Insurance doesn't have to be complicated!

It’s typically more expensive for clients to include you in their policy as an additional insured. It’s typically more expensive for clients to include you in their policy as an additional insured.

It protects your business and is often required by many employers before you can start working for them. It protects your business and is often required by many employers before you can start working for them.

The Allen Thomas Group helps find insurance quotes for construction contractors, landscapers, cleaning services, professional service providers, and freelance professionals in many other industries. The Allen Thomas Group helps find insurance quotes for construction contractors, landscapers, cleaning services, professional service providers, and freelance professionals in many other industries.

Personal Contractor Insurance

No matter their size or role in a project, businesses should understand both operational and financial risks involved with selecting contractors/vendors. Property insurance protects your assets in a loss. Call our licensed agent and they can assist with commercial auto and business insurance quotes.
 Independent contractor insurance varies significantly across industries. Independent contractor insurance varies significantly across industries.

Professional liability - Required for design/build contractors and covers mistakes in your professional work that lead to property damage or financial loss (gaps in coverage, delays, inferior work). As a contractor, you want an insurance resource who becomes an invaluable, long-term business partner. Other factors that impact the cost of contractors insurance are employees, coverage needs, vehicles, location and claims history. Other factors that impact the cost of contractors insurance are employees, coverage needs, vehicles, location and claims history.

Workers' compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs. Without proper liability insurance coverage, contractors risk facing significant financial losses and potential lawsuits, which can have a devastating impact on their businesses and personal finances. Details of coverage, limits, or services may not be available for all business and vary in some states. Details of coverage, limits, or services may not be available for all business and vary in some states.

Contractors face numerous unique and often dangerous risks on a daily basis in their work as independent contractors. This often means specialized products and add-ons specific to contractors. It's mandated in most states with rare exceptions. It's mandated in most states with rare exceptions.

Personal Contractor Insurance
Roofers Insurance Cover

Roofers Insurance Cover

Learn more about what this coverage entails here. General liability insurance costs an average of $42 per month for The Allen Thomas Group customers, but this figure varies based on several factors such as:Your own general liability policy is accessible via multiple avenues: commercial general liability insurance can be obtained from business insurance providers or agencies; to show clients you're protected, request a general liability certificate of insurance instead; this option tends to be more cost-effective for them. It’s required in most states for businesses that have employees. Provides protection for fixed property under construction and equipment used during construction, whether it is in transit, in storage or at the jobsite. Independent contractors can be sued and held liable for damages, just like other small business owners. Independent contractors can be sued and held liable for damages, just like other small business owners.

Whether it's a slip and fall accident at a construction site or damage caused by faulty workmanship, the potential for liability claims is ever-present. An additional insured is defined as any person covered by an insurance policy other than its policyholder, who enjoys less coverage but still gains crucial protection, including:Defense Coverage. Our advisors specialize in contractor insurance. Contract requirements - Many construction contracts require you to carry certain insurance limits and name the client as an additional insured. Contract requirements - Many construction contracts require you to carry certain insurance limits and name the client as an additional insured.

The amount you pay is based on several different factors like the amount of coverage you need, your specific trade and your location. Cost-saving options - Through a coverage analysis and comparison quotes, a good agent will identify potential savings on policies and deductions like safety training credits. It is crucial for contractors to have adequate insurance coverage to safeguard their businesses and ensure they are protected in the event of unexpected incidents. The ideal coverage limits depend on your business size and services. The ideal coverage limits depend on your business size and services.

It combines both coverages under one policy, and usually has lower insurance premiums than buying each policy separately from the insurance company. These options offer you and your client protection should they find themselves involved in a lawsuit alleging third-party bodily injury, property damage, or reputational harm.
 This not only helps contractors avoid financial burdens but also ensures that clients are not left with the financial burden of repairing or replacing their property. While business insurance may not be required by law, without insurance you could be held personally liable for a mistake on the job. While business insurance may not be required by law, without insurance you could be held personally liable for a mistake on the job.

Tile Contractor Insurance

Commercial Auto Insurance covers the array of motorized equipment contractors rely on including dump trucks, cranes, bulldozers and tractors. This is where Surety Bonds come in - providing a guarantee you will meet all contractual obligations. Equipment and tool coverage: Contractors rely on various equipment and tools to complete their work. For example, the photographer could be accused of copyright infringement, while the remodeler faces the risk of potential injury to the homeowner. Assists you with covering medical expenses and legal fees associated with defending against an event covered under this plan.
 Assists you with covering medical expenses and legal fees associated with defending against an event covered under this plan.


Without proper insurance, a single incident could devastate your finances or even put you out of business. For contractors, the risk of accidents and injuries is inherent in their line of work. The Allen Thomas Group does just that, providing in-depth, ongoing service and advice to keep our clients protected and empowered to grow. The contractor's understanding of legal claims and litigation is crucial for mitigating risks and ensuring a successful resolution. The contractor's understanding of legal claims and litigation is crucial for mitigating risks and ensuring a successful resolution.

Our experienced construction underwriters possess in-depth industry expertise and the flexibility and creativity required to offer flexible yet innovative solutions.
 Policies that fit your unique responsibilities and exposures – whether you’re a private, public, nonprofit or a financial institution. Top insurance carriers - Independent agencies have access to quotes from numerous respected insurance carriers all in one place. It covers medical expenses, lost wages, and rehabilitation costs, protecting both contractors and their workers.3. It covers medical expenses, lost wages, and rehabilitation costs, protecting both contractors and their workers.3.

It is important for contractors to carefully review and understand the policy limits of their liability insurance. Though business insurance may not be required by law, failing to purchase it could leave you personally responsible for mistakes on the jobsite. Documentation and Evidence: Contractors need to maintain accurate and comprehensive documentation throughout the project lifecycle. The Allen Thomas Group can assist individuals and businesses, from small to multinational enterprises, with their commercial surety needs. The Allen Thomas Group can assist individuals and businesses, from small to multinational enterprises, with their commercial surety needs.

Builders Risk Insurance Companies

Tile Contractor Insurance
Contractor Proof Of Insurance
Contractor Proof Of Insurance
Moreover, contractor insurance can also provide liability coverage, which protects contractors from legal claims and lawsuits arising from accidents or property damage. Certain The Allen Thomas Group companies may be compensated as licensed agencies for performing services on behalf of these insurers. It provides financial protection by covering legal fees, medical expenses, and damages. Look no further than contractor insurance. Look no further than contractor insurance.

As an independent insurance agency, The Allen Thomas Group has the experience, carrier access and resources to protect contracting businesses. Please reach out to The Allen Thomas Group's commercial agent for more details and a customized quote. When facing legal challenges, contractors must be well-versed in navigating the complexities of the legal system while protecting their interests. When facing legal challenges, contractors must be well-versed in navigating the complexities of the legal system while protecting their interests.

In today's fast-paced and litigious world, it's crucial for contractors to have the right coverage to safeguard against potential risks and liabilities. Business auto insurance - Covers liability and damage involving vehicles used for business purposes like work trucks. An additional insured has less protection than the policyholder, but still gains crucial coverage, such as:Defense coverage. An additional insured has less protection than the policyholder, but still gains crucial coverage, such as:Defense coverage.

Contact The Allen Thomas Groups commercial agent for more information and a customized quote. It helps shield them from costly lawsuits while qualifying them for leases and contracts. Your clients may require you to have general liability insurance before they sign a contract with you. Your clients may require you to have general liability insurance before they sign a contract with you.

Types Of Insurance For Construction
It provides protection for the structure and materials on the construction site against damage from events such as fire, theft, vandalism, or natural disasters.3. Allen Thomas Group risk control construction specialists have the experience and know-how necessary to meet all of your risk control requirements and take a proactive approach towards safety and accident prevention.
 By insuring your business with The Allen Thomas Group, you gain access to loss control tools and an expert team who will evaluate all aspects of its operations, procedures and programs. Without insurance, contractors may have to pay these costs out of pocket, which can be financially devastating. Having property damage insurance ensures that you are protected financially in case any damages occur during the course of your work. Having property damage insurance ensures that you are protected financially in case any damages occur during the course of your work.

However, it may be required in certain jurisdictions or to fulfill a contract. If this occurs to you, HNOA coverage could provide additional protection - read up on these policies today if needed!
 An independent insurance advisor like The Allen Thomas Group will shop multiple carriers to find your optimal blend of coverage, limits and cost. Accidents or property damage can occur during the course of a construction project, and without adequate insurance coverage, contractors can face significant financial losses and legal consequences. Accidents or property damage can occur during the course of a construction project, and without adequate insurance coverage, contractors can face significant financial losses and legal consequences.

Comprehensive contractor insurance is essential to protect yourself, your business and your bottom line. Contractors insurance from The Allen Thomas Group provides small businesses like painters, carpenters, landscapers and other tradespeople with various coverages to offset any financial repercussions of workplace accidents. So is the business owner or the subcontractor responsible for adding the additional insured? Without insurance, defending yourself in court would cost out-of-pocket expenses; with general liability coverage they are covered automatically.
 Without insurance, defending yourself in court would cost out-of-pocket expenses; with general liability coverage they are covered automatically.


With the right insurance partner, you can run your business with confidence knowing you've safeguarded your company's finances and reputation. That's why it's critical to protect your business with comprehensive insurance coverage. You've worked hard to build your company and reputation. Contact us today to discuss your unique risks, get a fast quote, or review your current policies. Contact us today to discuss your unique risks, get a fast quote, or review your current policies.

Types Of Insurance For Construction

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Frequently Asked Questions

Professional liability insurance protects businesses when employees make mistakes in providing professional services to customers or clients, also known as errors and omissions insurance (E&O). Even though you're an expert at what you do, mistakes still happen!

Although all-risk policies offer comprehensive protection, they don't always include everything. Most policies don't pay out for damages caused by termites, wear and tear, sewer backups, floods or earthquakes as well as paying to remove mold or repair your foundation.

General, professional and employer liabilities are the three major forms of liability protection available today.

Policies typically feature deductibles ranging from $1,000 to $25,000. Your premium costs depend upon both the size and risk profile of your business, with smaller operations usually needing lower premiums due to lower risk exposure.

"All risk" refers to an umbrella form of coverage which automatically protects any risk that the contract does not specifically exclude; for instance, homeowner policies with all-risk policies typically provide flood damage coverage as part of their all risk package.