Cheap General Liability Insurance For Contractors

Umbrella Insurance: This additional coverage provides extra liability protection beyond the limits of other insurance policies. Contractor Liability Insurance: This type of insurance provides coverage for property damage or bodily injury caused by the contractor's work. Business owners and independent contractors can add business owners as additional insureds on their commercial general liability policies, or vice versa. Business owners and independent contractors can add business owners as additional insureds on their commercial general liability policies, or vice versa.

A BOP packages contractors liability and coverage for personal property and commercial buildings into one policy. This allows them to compare rates for your optimal coverage and cost efficiency. This allows them to compare rates for your optimal coverage and cost efficiency.

While some companies offer a “one-size-fits-all” contractors insurance policy, we know every contracting business is unique. However, they may decide to add you, depending on the situation. However, they may decide to add you, depending on the situation.

Workers' Compensation Insurance transfers this liability to an insurance provider. Our broad, tailored coverages and enhancements are based on our deep knowledge and experience in the construction industry, and specifically designed to meet the needs of our customers. Our broad, tailored coverages and enhancements are based on our deep knowledge and experience in the construction industry, and specifically designed to meet the needs of our customers.

It depends largely on the scenario, and practices vary by industry. Protecting Your Contracting Business with the Right Insurance CoverageOperating a contracting or construction business comes with many risks and liabilities. Protecting Your Contracting Business with the Right Insurance CoverageOperating a contracting or construction business comes with many risks and liabilities.

But it can also include other coverages like commercial auto, workers’ compensation and business owners policies. Fifty-three percent of contractors report that it is difficult to fill professional positions such as project supervisors, estimators and engineers. Limits match the project value. Without General Liability Insurance, you would be fully responsible for sometimes exorbitant legal fees, medical bills, repair costs and any awarded lawsuit damages. Without General Liability Insurance, you would be fully responsible for sometimes exorbitant legal fees, medical bills, repair costs and any awarded lawsuit damages.

These contract requirements will often state whether the company needs to be added as an additional insured. By protecting your bottom line, insurance gives you the security and peace of mind to focus on your work, not worry about risks. Completion Bonds specifically cover costs if your company is unable to finish. Completion Bonds specifically cover costs if your company is unable to finish.

Liability coverage protects you from these claims long after the job is done.- Protects from third party bodily injury and property damage claims- Covers legal defense fees and lawsuit damages - Applies to incidents on worksites and completed projectsGeneral liability policies come with defined coverage limits - typically for per occurrence and in total annual claims. Some key reasons contractors need insurance include:Lawsuits - You may face liability claims over property damage, injuries, mistakes, and more. Contractors face numerous unique and often dangerous risks on a daily basis in their work as independent contractors. Contractors face numerous unique and often dangerous risks on a daily basis in their work as independent contractors.

At The Allen Thomas Group, we understand the risks contractors are exposed to and have designed custom insurance solutions to address them, such as general liability, property and inland marine, workers' compensation, auto, umbrella and surety and fidelity coverages. Workers' compensation insurance covers medical costs and lost wages from work-related injuries and illnesses. Workers' compensation insurance covers medical costs and lost wages from work-related injuries and illnesses.

If this occurs to you, HNOA coverage could provide additional protection - read up on these policies today if needed!
 If this occurs to you, HNOA coverage could provide additional protection - read up on these policies today if needed!


Certain The Allen Thomas Group companies may be compensated as licensed agencies for performing services on behalf of these insurers. Certain The Allen Thomas Group companies may be compensated as licensed agencies for performing services on behalf of these insurers.

Furthermore, bidding or taking on new jobs often requires proof of insurance as part of their requirements.
 Furthermore, bidding or taking on new jobs often requires proof of insurance as part of their requirements.


Many municipalities, clients and landlords contractually require you to carry insurance. Many municipalities, clients and landlords contractually require you to carry insurance.

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. We continually monitor regulations and laws specific to contractors in your state so your company stays fully protected and compliant. How to Choose the Best Insurance for ContractorsChoosing and managing business insurance coverage takes expertise. You are covered under a blanket additional insured endorsement. You are covered under a blanket additional insured endorsement.

Here are three types of coverage that contractors should consider:General Liability Insurance: This type of coverage protects contractors against claims of bodily injury or property damage that may arise during the course of their work. Workers' Comp ensures you have expert legal representation if such claims arise. Firstly, they should ensure that the provider specializes in contractor liability insurance and has a strong reputation in the industry. Firstly, they should ensure that the provider specializes in contractor liability insurance and has a strong reputation in the industry.

Yet many make the mistake of being underinsured or having gaps in coverage. Contact The Allen Thomas Groups commercial agent for more information and a customized quote. Protection for fixed property under construction and equipment used during the process - be it in transit, storage or on site. Protection for fixed property under construction and equipment used during the process - be it in transit, storage or on site.

At The Allen Thomas Group Insurance Agency, we make shopping for contractors insurance easy! Regardless of the size of an operation, or their role in a particular project, companies should be aware of the operational and financial risks associated with contractor/vendor selection. By insuring your business with The Allen Thomas Group, you gain access to loss control tools and an expert team who will evaluate all aspects of its operations, procedures and programs. By insuring your business with The Allen Thomas Group, you gain access to loss control tools and an expert team who will evaluate all aspects of its operations, procedures and programs.

Certificate holders and additional insureds refer to businesses or contractors carrying the coverages specified on a certificate of insurance policy. You can purchase commercial general liability insurance from a business insurance provider or agency. These options provide protection if either you or your client is faced with a lawsuit over third-party bodily injury, property damage, or reputational harm. These options provide protection if either you or your client is faced with a lawsuit over third-party bodily injury, property damage, or reputational harm.