Being a contractor is hard work. You already have enough on your mind without having to worry about your possible liability or loss risk while on the job. Here at Insurance Innovations, Inc, we understand the hazards you face on a daily basis. Just as no two jobs are exactly the same, we know your coverage needs can vary, too. That is why we offer contractor insurance solutions that adapt to your industry-specific needs so that you can go from project to project without missing a beat. You can count on us to minimize your vulnerability to risk so that your customers count on you to get the job done.
We offer insurance coverage for many different types of contractors, including:
- General contractors
- HVAC contractors
- Janitorial services
- And more
Types of Contractors Insurance
As a contractor, your coverage needs will be unique to the types of services you provide and the size of your business. Our team here at Insurance Innovations, Inc will help you build a personalized policy that includes coverage against many different types of losses and liabilities. Your contractors’ insurance may include coverage for:
Contractors oversee their projects from start to finish and often assume liability if something goes wrong. All contractors need general liability protection to stand against lawsuits and damage for claims that could threaten your profitability and even your livelihood. By working with an independent agent here at Insurance Innovations, Inc, you can get matched with commercial general liability coverage equivalent to your level of risk exposure.
When the people who work for you are injured on the job, workers compensation assures that they have access to the medical attention they need, as well as compensation for lost wages while they recover.
If you have a dishonest employee, it could result in a major loss or liability to your company. Employee dishonesty coverage helps recover losses due to employee theft.
Many things can threaten your business, including things that are outside of your control. If inclement weather, fire, smoke, theft, or some other covered event results in damage to the physical location of your business, property insurance can help cover the cost of repairs and replacement of its physical structure and the furnishings and inventory inside.
Equipment and Property in Transit
If you carry expensive equipment from job site to job site, it could be at risk of damage. Could your business afford to replace the loss of your most expensive equipment? Would you be able to complete jobs and continue serving your clients if all of your equipment were stolen or damaged during an accident? Talk to an agent at our office about complete coverage for your most valuable business assets.
Loss of Income
If you are unable to provide business services at normal capacity due to a covered event, this type of insurance helps cover the operational costs of your business until you can restore your ability to provide services.
Many contractors use commercial vehicles for business purposes. Whether you own one truck or a whole fleet, commercial auto insurance helps protect your vehicles and the people inside of them. It also protects your business against financial liability for accidents you or your employees may cause while driving.
Contractor Insurance in Mequon
If you are a contractor in Grafton, Thiensville, Mequon, or the greater Milwaukee area, make sure you are covered against anything that could threaten your business. Contact our office today to find out more about contractors insurance and request your free risk evaluation. We look forward to serving you soon.