Our Contractor Insurance Offerings
Burton & Company makes it easy for all types of contractors to get the right insurance to protect against risks faced on the job, including:
- HVAC contractors
- Construction workers
At Burton & Company, we provide several contractor insurance policies to ensure general contractors are covered from nearly every possible liability or risk. Here’s a look at some of the business insurance policies that contractors typically need.
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 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.
Contractors Tools And Equipment Insurance
This type of policy can pay for the repair or replacement costs of your tools and equipment if they are stolen, damaged or lost. Also known as equipment floater insurance, this type of policy protects valuable tools and machinery against damage that may occur while on the job.
Get In Touch With Burton & Company Today
At Burton & Company, we understand the risks contractors face and can tailor an insurance package to ensure you are protected on the job so you can focus on the task at hand without worries. Reach out today by giving us a call at (888) 652-1325 or requesting a quote online to discuss your needs and get a no-obligation quote.