Contractors Insurance is a specialized collection of coverages designed around the unique needs of contractors working across a range of disciplines. This insurance protects you, your business and your customers against risks associated with the performance of construction, demolition, modification and remediation of a customer’s property.
Contractor Specialties
Contractors Insurance policies can be as different as the types of contractors they cover. Each discipline has its own unique risks and variables, so it’s critically important to work with an agency that understands contracting in all its forms; from recurring services like Landscaping and Grounds Maintenance, to Excavation, Low-Voltage Electrical work, General Contracting, and everything in between.
- General Contractor: serving both multi-state and local contractors who build Commercial, Retail, Industrial, Single & Multi-Family Residential, Mixed-use and many more.
- Electrical Contractor: low voltage communications, structured cabling, alarm and engineered AV systems or high-voltage inside wiring, fixtures, appliances, luminaires, and even solar power installations.
- Excavation Contractor: general excavation work, foundation digging, grading of land and many other services offered by contractors who move earth. We cover risks associated with soil compaction, meeting proper grades for runoff, as well as first-party damage from the use of your heavy equipment.
- Plumbing & Mechanical Contractor: air conditioning systems, water supply to sewer hookups, radiant heating systems, heat pumps, air-handling equipment, filtration and air purification systems and all other specialties addressed by plumbing and mechanical contractors.
- Masonry Contractors: masonry and stone-setting are only two of the many services offered by masonry contractors. We help protect you from construction defect claims stemming from design, material and construction deficiencies by understanding your business and backing you with the best insurance options designed around your specific needs.
Contractors Insurance in Bellevue, Redmond, and across the Eastside
When we talk about Contractors Insurance, we’re not talking about one single type of insurance policy or a single risk category. We’re talking more specifically about a package of insurance policies that protect the contractor against claims from customers, employees and third parties who may suffer a loss as a consequence of the contractor’s actions or those of their employees or subcontractors. Here are just some of the types of insurance that may be included in a comprehensive Contractors Insurance policy:
- Commercial General Liability Insurance: serving both multi-state and local contractors who build Commercial, Retail, Industrial, Single & Multi-Family Residential, Mixed-use and many more.
- Electrical Contractor: low voltage communications, structured cabling, alarm and engineered AV systems or high-voltage inside wiring, fixtures, appliances, luminaires, and even solar power installations.
- Excavation Contractor: general excavation work, foundation digging, grading of land and many other services offered by contractors who move earth. We cover risks associated with soil compaction, meeting proper grades for runoff, as well as first-party damage from the use of your heavy equipment.
- Plumbing & Mechanical Contractor: air conditioning systems, water supply to sewer hookups, radiant heating systems, heat pumps, air-handling equipment, filtration and air purification systems and all other specialties addressed by plumbing and mechanical contractors.
- Masonry Contractors: masonry and stone-setting are only two of the many services offered by masonry contractors. We help protect you from construction defect claims stemming from design, material and construction deficiencies by understanding your business and backing you with the best insurance options designed around your specific needs.
Frequently Asked Questions
No, the policy is not mandated by law, but if you fail to protect your business from liabilities, it may result in huge expenses for you. There are a lot of uncertainties in business, and it is important to protect yourself against them.
Yes, the policy has a fixed out-of-pocket sum (deductible) that you can agree to pay before your coverage starts to pay. General liability policy premiums are considered as a business expense; therefore, they can be written off.
No, general liability insurance only covers the claims of third-parties. In this policy, you are regarded as the first-party. To protect your property, you need additional coverage, such as a business owner’s policy.
No, they are not. General liability insurance covers your business from liabilities arising from physical injury to people or damage to their property caused by your daily operations, whereas professional liability insurance protects your business from claims arising due to professional errors or mistakes.
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