Independent Contractors Liability

For example, the photographer could be accused of copyright infringement, while the remodeler faces the risk of potential injury to the homeowner. Without it, they could be held liable if something were to go wrong during work related activities and lead to claims being brought against them for potential wrongdoings or accidents caused by you and/or your work. This mix of insurance coverages provides vital protection for your contracting business's exposures. This mix of insurance coverages provides vital protection for your contracting business's exposures.

As an independent insurance agency, The Allen Thomas Group has the experience, carrier access and resources to protect contracting businesses. Requiring Surety Bonds is common practice for commercial construction and public works projects. Requiring Surety Bonds is common practice for commercial construction and public works projects.

If a third party sues the additional insured over work done for the business, the general liability insurance policy can address the claim. Contractors insurance usually covers business liability exposures, such as injuries or damage to a client’s property for which your business is responsible. Contractors insurance usually covers business liability exposures, such as injuries or damage to a client’s property for which your business is responsible.

Timelines, change orders and contract administration can add additional stressors. Some independent contractors are required to have this coverage to work in riskier professions, such as roofing and building trades. Some independent contractors are required to have this coverage to work in riskier professions, such as roofing and building trades.

All content and materials are for general informational purposes only. Your cost depends on several variables such as the extent of coverage you require, your specific trade and location.
 Your cost depends on several variables such as the extent of coverage you require, your specific trade and location.


Call us or start the quote online to begin today. Professional liability - Required for design/build contractors and covers mistakes in your professional work that lead to property damage or financial loss (gaps in coverage, delays, inferior work). This option is usually more cost-effective for your clients. This option is usually more cost-effective for your clients.

General liability insurance: This coverage protects contractors against property damage caused by their actions or negligence. Business income - Covers income lost due to suspended operations from a covered loss. Business income - Covers income lost due to suspended operations from a covered loss.

Commercial property insurance offers financial protection for your workspace and its contents, and is often required by landlords to sign a lease. Builder's risk and equipment/tools coverage protects you if items are damaged or stolen at a job site. Builder's risk and equipment/tools coverage protects you if items are damaged or stolen at a job site.

Rather than paying excessively out of pocket, your business continues undisrupted while claims are handled by professionals. General liability insurance addresses both issues. General liability insurance addresses both issues.

Essential if a fire or storm damages your office. Standard limits are $1 million liability/ $1 million uninsured motorist. Standard limits are $1 million liability/ $1 million uninsured motorist.

Without insurance, defending yourself in court would cost out-of-pocket expenses; with general liability coverage they are covered automatically.
 Contractors face unique and often dangerous risks everyday on the job. Simply call us to speak with a licensed agent who can help you with your commercial auto and business insurance quotes. Simply call us to speak with a licensed agent who can help you with your commercial auto and business insurance quotes.

A 1099 worker hired for a photo shoot could face copyright infringement while remodeling contractors risk potentially injuring homeowners during work. Contractors insurance typically covers business liability exposures related to injuries sustained on client property by your business and is therefore covered by general liability coverage as an essential element of contractors insurance policies. Contractors insurance typically covers business liability exposures related to injuries sustained on client property by your business and is therefore covered by general liability coverage as an essential element of contractors insurance policies.

Workers' compensation coverage provides medical costs and lost wages related to work-related injuries or illnesses that occur on the job, and is required by most states for businesses that employ employees or those working in riskier industries, like roofing and building trades. While insurance is an expense, it's the most vital investment you'll make to protect your business. While insurance is an expense, it's the most vital investment you'll make to protect your business.

Helps cover medical expenses and legal fees you incur while defending against a lawsuit from a covered event. Here are three key aspects that contractors should consider when dealing with legal claims and litigation:1.  Here are three key aspects that contractors should consider when dealing with legal claims and litigation:1. 

It covers the cost of repairs or replacement of damaged property, as well as any legal fees associated with a liability claim.2. Insurance rates for contractors vary widely based on factors like:Your risk profile - higher risk trades like roofing and electrical cost more than lower risk trades like painting or flooring. Insurance rates for contractors vary widely based on factors like:Your risk profile - higher risk trades like roofing and electrical cost more than lower risk trades like painting or flooring.

Being held liable for repairs or replacement on a large-scale project could be financially devastating without Builders Risk Insurance. Being held liable for repairs or replacement on a large-scale project could be financially devastating without Builders Risk Insurance.

A BOP bundles both coverages into one policy with usually lower insurance premiums than purchasing them separately from individual insurers.
 A BOP bundles both coverages into one policy with usually lower insurance premiums than purchasing them separately from individual insurers.


This coverage allows you to promptly fix damages and move forward without major delays or out-of-pocket expenses.- Covers damage to the ongoing construction project - Includes liability coverage for damage caused to surrounding properties- Allows timely repairs so projects stay on scheduleProtect Your Investment with Surety Bonds On any sizable construction project, owners and lenders need assurance you will complete work to standard and on budget. This coverage allows you to promptly fix damages and move forward without major delays or out-of-pocket expenses.- Covers damage to the ongoing construction project - Includes liability coverage for damage caused to surrounding properties- Allows timely repairs so projects stay on scheduleProtect Your Investment with Surety Bonds On any sizable construction project, owners and lenders need assurance you will complete work to standard and on budget.