Contractor Insurance

Inland Marine Coverage

Protect your property and equipment while in transit or at any location where you are working with inland marine coverage. This type of insurance got its name because it originally insured the transportation of goods over water, but it now refers to goods that are in transit on land as well.

If you carry items such as tools and equipment in your personal or work vehicle for work purposes, this type of coverage is essential.

It can protect:

• Property in transit
• Property that is stored at different locations
• Movable property in a fixed location
• Valuable and unique property
• Property inside a commercial truck

Errors And Omissions

Everyone makes mistakes on the job from time to time, but when you’re a contractor, the ramifications can be quite serious. For example, if a plumbing repair you’ve made fails, it could flood an entire building.

Errors and omissions insurance is a specialized liability protection that can cover losses that traditional liability insurance does not cover. If a client sues you for negligent acts, errors or omissions as part of your business activities, it provides valuable protection by covering the following, up to the limits of your policy:

• Judgments awarded by a court or judge
• Court costs involved in your business defense case
• Attorney’s fees for defending you in court
• The cost of settling a claim out of court

General Liability

General liability can cover the medical expenses, damages and attorney fees that you are legally responsible for if you cause damage to another person’s property or bodily harm while carrying out your work.

Umbrella Liability Insurance

The stakes are high when contractors make mistakes on the job, so umbrella liability insurance is a smart move to provide you with an extra layer of protection against property damage or bodily injury you cause while working. It covers costs such as judgments and settlements that go above your standard liability policy’s limits.