Contractors And Insurance

General Liability Insurance For Contractors

Contractors And Insurance

Prices vary based on how you buy. This often means specialized products and add-ons specific to contractors. This often means specialized products and add-ons specific to contractors.

With a general liability insurance policy, those expenses are covered. With a general liability insurance policy, those expenses are covered.

Insurance costs and benefits of independent contractors vary significantly across industries. Insurance costs and benefits of independent contractors vary significantly across industries.

contractor insurance .

Bonds And Insurance In Construction

It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts. Coverage Options AvailableContractors have various coverage options available to protect themselves against accidents and injuries. As a contractor, your business is your livelihood. As a contractor, your business is your livelihood.

Workers' Compensation Insurance: This coverage is essential for contractors who have employees. General liability insurance helps cover legal fees and damages resulting from a lawsuit. General liability insurance helps cover legal fees and damages resulting from a lawsuit.

As a contractor, you want an insurance resource who becomes an invaluable, long-term business partner. Before signing contracts with you, your clients may require you to carry general liability insurance as protection from allegations of wrongdoing or accidents caused by either yourself or your work. Before signing contracts with you, your clients may require you to carry general liability insurance as protection from allegations of wrongdoing or accidents caused by either yourself or your work.

It covers medical expenses, lost wages, and rehabilitation costs, protecting both contractors and their workers.3. Yet we share an entrepreneurial spirit, passion for quality workmanship, and commitment to building safe, beautiful structures. Yet we share an entrepreneurial spirit, passion for quality workmanship, and commitment to building safe, beautiful structures.

Protect against lawsuits and other liabilities with contractors insurance from The Allen Thomas Group. Your clients can add you as an additional insured to their general liability policy, providing coverage throughout any job or longer - including multiple contractors if appropriate. Your clients can add you as an additional insured to their general liability policy, providing coverage throughout any job or longer - including multiple contractors if appropriate.

Builders Risks Insurance

Builders Risks Insurance

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.

Licensed Contractor Insurance Agency

It provides peace of mind and financial security, allowing contractors to focus on their work without worrying about the unexpected. Independent contractors can be sued and held liable for damages, just like other small business owners. Here, you'll find straightforward answers for all your queries about coverages, pricing and more. Here, you'll find straightforward answers for all your queries about coverages, pricing and more.

It's a necessary cost of doing business. One of the main benefits of contractor insurance is that it provides financial protection in the event of accidents or property damage. One of the main benefits of contractor insurance is that it provides financial protection in the event of accidents or property damage.

Below are key policies every contractor should carry:General liability insurance - This covers claims of bodily injury, property damage, personal injury, and advertising injury. When facing legal challenges, contractors must be well-versed in navigating the complexities of the legal system while protecting their interests. When facing legal challenges, contractors must be well-versed in navigating the complexities of the legal system while protecting their interests.

Ask your The Allen Thomas Group agent about the cost and benefits of getting your own insurance coverage versus being added to your client’s policy. Independent contractors can also add business owners to their policy. Independent contractors can also add business owners to their policy.

The Allen Thomas Group offers products and insights to help our customers stay ahead of risk by preparing for it and ultimately helping to reduce loss costs and keep projects running smoothly. Without insurance, you would have to pay out of pocket to defend yourself in court and also pay for damages. Without insurance, you would have to pay out of pocket to defend yourself in court and also pay for damages.

General Liability Insurance Coverage For Contractors

Licensed Contractor Insurance Agency
Insurance Building Contractors

Insurance Building Contractors

As a contractor myself, I've seen firsthand how critical insurance is. The Allen Thomas Group can assist in finding insurance quotes for construction contractors, landscapers, cleaning services providers, professional service providers and freelance professionals across a range of industries. The Allen Thomas Group can assist in finding insurance quotes for construction contractors, landscapers, cleaning services providers, professional service providers and freelance professionals across a range of industries.

That's why The Allen Thomas Group has a specialized construction claim service operation to focus on these unique claims. That's why The Allen Thomas Group has a specialized construction claim service operation to focus on these unique claims.

Additionally, contractors should compare quotes from different insurance providers to ensure they are getting the best coverage at a competitive rate. Additionally, contractors should compare quotes from different insurance providers to ensure they are getting the best coverage at a competitive rate.

Contractor Insurance Companies
For example, a roofing contractor is exposed to risks that an HVAC technician isn’t and vice versa. It provides financial protection by covering legal fees, medical expenses, and damages. It provides financial protection by covering legal fees, medical expenses, and damages.

With so much fluctuation, damages easily occur to both the ongoing work and surrounding properties. With so much fluctuation, damages easily occur to both the ongoing work and surrounding properties.

Top insurance carriers - Independent agencies have access to quotes from numerous respected insurance carriers all in one place. Top insurance carriers - Independent agencies have access to quotes from numerous respected insurance carriers all in one place.

Limits start around $1 million per claim/aggregate. Limits start around $1 million per claim/aggregate.

Our customized contractor insurance packages provide:Coverage gaps filledBundles for cost savingsProper limits to safeguard your assetsAdvice to reduce risksHassle-free claims serviceYear-round policy access & reviewFor over 20 years, The Allen Thomas Group has been a trusted insurance partner for general contractors, trade contractors, and independent contractor clients across the country. Our customized contractor insurance packages provide:Coverage gaps filledBundles for cost savingsProper limits to safeguard your assetsAdvice to reduce risksHassle-free claims serviceYear-round policy access & reviewFor over 20 years, The Allen Thomas Group has been a trusted insurance partner for general contractors, trade contractors, and independent contractor clients across the country.

Licensed Contractor Insurance Agency

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Contractor Insurance Near Me
In the event that a third-party brings a claim against one or more additional insureds for work done for their business, general liability policies offer coverage for attorneys' fees, court costs, settlements or judgments awarded to additional insureds. Different insurance policies offer various types of coverage to cater to the specific needs of contractors, ensuring comprehensive protection against potential risks and liabilities. Liability insurance provides contractors with financial protection against claims arising from bodily injury or property damage during their work. A 1099 worker hired for a photo shoot faces significantly different risks than one hired to remodel a bathroom. A 1099 worker hired for a photo shoot faces significantly different risks than one hired to remodel a bathroom.

Minimum limits are typically $1 million per occurrence, $2 million aggregate. The right insurance tailored for your company's needs is an indispensable asset. If you plan to purchase both general liability and commercial property coverages, one way to lower costs is through a Business Owner's Policy (BOP). If you plan to purchase both general liability and commercial property coverages, one way to lower costs is through a Business Owner's Policy (BOP).

It provides benefits to employees who are injured or become ill due to work-related activities. Many municipalities, clients and landlords contractually require you to carry insurance; nevertheless it's wise to have protection in case of accidents or theft of tools and equipment. Professional Liability Insurance: Also known as Errors and Omissions (E&O) insurance, this coverage is crucial for contractors who provide professional services or advice. Professional Liability Insurance: Also known as Errors and Omissions (E&O) insurance, this coverage is crucial for contractors who provide professional services or advice.

Contractor Insurance Near Me

Frequently Asked Questions

Task and Schedule Tracking Doing this not only aids construction risk management but also allows teams to make better decisions regarding how best to complete certain parts of a project, especially when they fall behind schedule. What's more is these tools help increase accountability.

Any business offering their expertise should seriously consider getting professional liability coverage, commonly known as errors and omissions (E&O) insurance, to safeguard both their company and bottom line from customer claims of late completion, incompleteness or substandard work that could potentially lead to costly lawsuits.

That means the general contractor must establish his or her own risk mitigation process that works closely with the construction project manager, conducting risk identification and analysis throughout the duration of the project, while creating a comprehensive risk management plan.

Although all-risk policies offer comprehensive protection, they don't always include everything. Most policies don't pay out for damages caused by termites, wear and tear, sewer backups, floods or earthquakes as well as paying to remove mold or repair your foundation.

A policy simply sets forth terms and conditions without attaching them to specific persons, items, or interests; by contrast, contracts establish contractual obligations between two or more parties governed by contract law.