Independent Contractor Liability Insurance

Independent Contractor Liability Insurance

Workmans Comp Insurance For Independent Contractors

Those who offer professional advice and services buy this coverage in case a client accuses them of making a mistake, missing a deadline, or failing to deliver on a contract. Keep your fleet and business driving forward with customized coverage from our commercial auto insurance experts. It protects contractors from legal and financial liabilities arising from accidents or injuries that occur on the job site.2. insurance for contractors . It protects contractors from legal and financial liabilities arising from accidents or injuries that occur on the job site.2.

It is advisable to seek recommendations from other contractors or industry professionals to identify reputable insurance providers who offer comprehensive liability coverage. While insurance is an expense, it's the most vital investment you'll make to protect your business. While insurance is an expense, it's the most vital investment you'll make to protect your business.

That’s why our insurance experts will work with you to customize a policy just for your business, so you only pay for the coverages you need. A 1099 worker hired for a photo shoot faces significantly different risks than one hired to remodel a bathroom. A 1099 worker hired for a photo shoot faces significantly different risks than one hired to remodel a bathroom.

Importance of Liability InsuranceLiability insurance plays a vital role in safeguarding businesses and individuals by providing protection against accidents and injuries. Being accused of negligence by an injured worker can also quickly generate a draining lawsuit. Being accused of negligence by an injured worker can also quickly generate a draining lawsuit.

Insurance Repair Contractors Near Me —

Payment Bonds ensure you will pay all suppliers and subcontractors. As a contractor, your business is your livelihood. From general liability to workers' comp to builder's risk, contractors need several types of insurance. From general liability to workers' comp to builder's risk, contractors need several types of insurance.

Insurance helps cover losses so you can keep your good name. Specific details, limits or services may not be available to every business in all states; all coverages are subject to their terms, provisions, exclusions and conditions outlined within a policy or endorsement and any associated endorsements. Specific details, limits or services may not be available to every business in all states; all coverages are subject to their terms, provisions, exclusions and conditions outlined within a policy or endorsement and any associated endorsements.

Common trades that need contractors insurance include:It’s always good to have insurance in case of mishaps, even if you don’t contractually need coverage. At The Allen Thomas Group, we understand the unique risks contractors face and provide customized insurance solutions to keep your business safe. At The Allen Thomas Group, we understand the unique risks contractors face and provide customized insurance solutions to keep your business safe.

Unlearn six ways contractors can effectively manage their cost of risk to improve their bottom line, reputation and worker safety. This guide will provide an overview of essential coverages, insurance costs, and tips for choosing the best insurance agency for your contracting business. This guide will provide an overview of essential coverages, insurance costs, and tips for choosing the best insurance agency for your contracting business.

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Insurance For Construction Equipment

An additional insured is anyone besides a policyholder who is covered by an insurance policy. For example, if a roof you installed leaks and ruins the homeowner's walls and flooring, their insurance company can come after you to recoup repair costs. Commercial auto policies provide coverage for vehicles used to transport work-related materials or tools for contractors. Commercial auto policies provide coverage for vehicles used to transport work-related materials or tools for contractors.

The right insurance protects you if sued. Just one incident can devastate your business if you're not properly insured. Just one incident can devastate your business if you're not properly insured.

Please fill out The Allen Thomas Group's online application and get in touch with one of their licensed insurance specialists to get assistance for your unique business insurance needs.
 Learn six ways contractors can effectively manage their cost of risk to help improve their bottom line, their reputation and worker safety. Learn six ways contractors can effectively manage their cost of risk to help improve their bottom line, their reputation and worker safety.

Health insurance can deny claims for work-related injuries, which means you could end up facing medical bills and lost income while unable to earn a living. Insurance costs and benefits of independent contractors vary significantly across industries. Insurance costs and benefits of independent contractors vary significantly across industries.

Contractor Insurance Services

Insurance For Construction Equipment
Contractor Workers Comp Insurance

Contractor Workers Comp Insurance

We'll help you analyze risks, close gaps, and choose cost-effective policies so you can keep focused on what matters most – excelling at the work you love. This coverage ensures that any damage or loss to these essential items is covered, allowing contractors to continue their work without significant interruptions or financial setbacks. Without General Liability Insurance, you would be fully responsible for sometimes exorbitant legal fees, medical bills, repair costs and any awarded lawsuit damages. The Allen Thomas Group offers products and insights to help our customers stay ahead of risk by preparing for it and ultimately helping to reduce loss costs and keep projects running smoothly. The Allen Thomas Group offers products and insights to help our customers stay ahead of risk by preparing for it and ultimately helping to reduce loss costs and keep projects running smoothly.

With decades of combined experience serving contractors across the United States, The Allen Thomas Group Insurance Agency has become specialized experts at crafting customized insurance solutions for the unique needs of contractors like you. We understand the daily risks you navigate and offer tailored coverage. As a fellow contractor, I understand how confusing and overwhelming navigating insurance options can be. As a fellow contractor, I understand how confusing and overwhelming navigating insurance options can be.

You have the choice to cover attached equipment, such as ladder racks and permanently attached tool boxes. Contractors insurance is coverage that can protect your business from devastating financial debts that can result from work-related accidents. The Allen Thomas Group Advantages Include:- Specialized expertise serving contractors across the U. The Allen Thomas Group Advantages Include:- Specialized expertise serving contractors across the U.

Contractors, subcontractors and independent tradespeople should carry commercial insurance. Certain The Allen Thomas Group companies may be paid as licensed agencies by insurers for providing services they enlist our assistance with. Business owners can add an additional insured to their commercial general liability insurance policy. Business owners can add an additional insured to their commercial general liability insurance policy.

Workers Comp And Contractors

A commercial auto policy provides protection for vehicles used for work or to transport tools and other contractor materials. People who work for themselves without employees generally aren't required to carry workers' comp insurance, but it would still be wise to purchase coverage as health insurers may deny claims related to work-related injuries and could leave you facing costly medical expenses and lost income while you can't work. People who work for themselves without employees generally aren't required to carry workers' comp insurance, but it would still be wise to purchase coverage as health insurers may deny claims related to work-related injuries and could leave you facing costly medical expenses and lost income while you can't work.

A certificate holder typically carries their coverages alone while additional insureds can also be listed on it.
 A certificate holder typically carries their coverages alone while additional insureds can also be listed on it.


A certificate holder is simply the business or contractor that carries the coverages as described on the certificate of insurance.  A certificate holder is simply the business or contractor that carries the coverages as described on the certificate of insurance. 

Professional advisors who offer advice or services typically purchase this protection just in case a client accuses them of mistakes, missed deadlines, or failing to deliver their contracts as contracted. Professional advisors who offer advice or services typically purchase this protection just in case a client accuses them of mistakes, missed deadlines, or failing to deliver their contracts as contracted.

Workers Comp And Contractors
Insurance Restoration Contractor
Insurance Restoration Contractor
Different industries bring different risks. Our veteran agents take time to explain how policies apply to your real-world scenarios. Most often, it’s best for both you and your client to obtain separate general liability insurance policies. Most often, it’s best for both you and your client to obtain separate general liability insurance policies.

General liability is typically needed before a contractor can begin work on a job. Contractor liability refers to the legal and financial responsibility that contractors have towards their clients and third parties. Contractor liability refers to the legal and financial responsibility that contractors have towards their clients and third parties.

The right insurance tailored for your company's needs is an indispensable asset. Who is ultimately responsible for adding additional insureds depends heavily upon each situation and industry norms may vary accordingly.
 Who is ultimately responsible for adding additional insureds depends heavily upon each situation and industry norms may vary accordingly.


Many municipalities, clients and landlords contractually require you to carry insurance. Limits start around $1 million per claim/aggregate. Limits start around $1 million per claim/aggregate.

Gl Insurance For Contractors
This includes contracts, change orders, correspondence, and any other relevant records. Subcontractors offering specialized services like electrical work or plumbing may only require smaller caps. This article will walk through the key types of contractor insurance coverage, how these policies protect you from risk, what to look for when choosing an insurance provider and why The Allen Thomas Group should be your trusted partner. At The Allen Thomas Group Insurance Agency, we make shopping for contractors insurance easy! At The Allen Thomas Group Insurance Agency, we make shopping for contractors insurance easy!

While some companies offer a “one-size-fits-all” contractors insurance policy, we know every contracting business is unique. How to Choose the Best Insurance for ContractorsChoosing and managing business insurance coverage takes expertise. From property damage to accidents and injuries, contractor insurance provides essential protection and peace of mind. From property damage to accidents and injuries, contractor insurance provides essential protection and peace of mind.

This can include legal expenses, settlement costs, and damages awarded to the injured party. Construction claims can be complex and often unpredictable, which is why The Allen Thomas Group offers a dedicated construction claim service operation dedicated to handling these unique cases.
 Our customized packages and bundled pricing provide premium protection at competitive rates. Our customized packages and bundled pricing provide premium protection at competitive rates.

If you intend to buy both general liability and commercial property coverage, you can reduce your insurance costs by bundling them into a business owner’s policy (BOP). An employee is injured while on the job. We’ve made it easy for you to shop for all your contractors insurance in one place. We’ve made it easy for you to shop for all your contractors insurance in one place.

Gl Insurance For Contractors

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Frequently Asked Questions

Professional liability insurance provides coverage for professionals and businesses to protect them against claims of negligence by clients or customers. Policies generally cover negligence, copyright infringement, personal injury claims and more.

A policy simply sets forth terms and conditions without attaching them to specific persons, items, or interests; by contrast, contracts establish contractual obligations between two or more parties governed by contract law.

Any business offering their expertise should seriously consider getting professional liability coverage, commonly known as errors and omissions (E&O) insurance, to safeguard both their company and bottom line from customer claims of late completion, incompleteness or substandard work that could potentially lead to costly lawsuits.

Liability insurance provides coverage against damage claims caused by contractors when performing work on your property and injury claims that may arise should someone get injured while performing duty. It also covers court judgments or medical or funeral expenses should someone become seriously ill while on duty.