Workmans Comp For Independent Contractors

Coverage for certain third-party lawsuits. Allen Thomas Group risk control construction specialists have the experience and know-how necessary to meet all of your risk control requirements and take a proactive approach towards safety and accident prevention.
 Call our licensed agent and they can assist with commercial auto and business insurance quotes.
 Protect Your Livelihood: Work with Insurance ExpertsAs a fellow contractor, I know how grueling and risky our work can be. That's why it's critical to protect your business with comprehensive insurance coverage. That's why it's critical to protect your business with comprehensive insurance coverage.

Your clients may require you to have general liability insurance before they sign a contract with you. You have the option to include attached equipment like ladder racks and permanently fitted tool boxes as part of this coverage; individual tools are usually not covered under such policies.
 These options include general liability insurance, workers' compensation insurance, and umbrella insurance. Tailored solutions - The best agent will analyze your business and risk profile in detail then customize optimal insurance protection. Tailored solutions - The best agent will analyze your business and risk profile in detail then customize optimal insurance protection.

Different industries pose distinct risks. The Allen Thomas Group partners with top contracting insurer Travelers, among others. It’s required in most states for businesses that have employees. This involves having a qualified legal team that specializes in construction law and can effectively represent the contractor's interests in court or during settlement negotiations.2.  This involves having a qualified legal team that specializes in construction law and can effectively represent the contractor's interests in court or during settlement negotiations.2. 

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.


Business owners can add an additional insured to their commercial general liability insurance policy. Your work is covered by a blanket additional insured endorsement on your clients or general contract's policy, providing coverage to a type of worker or group without specifically naming you or others as individual beneficiaries. The Allen Thomas Group does just that, providing in-depth, ongoing service and advice to keep our clients protected and empowered to grow. The Allen Thomas Group does just that, providing in-depth, ongoing service and advice to keep our clients protected and empowered to grow.

Contractors should work closely with their legal team to explore settlement options that align with their best interests.3. Insurance doesn't have to be complicated! Insurance doesn't have to be complicated!

This coverage protects you when a third party sues your business for bodily injury or property damage. When choosing an insurance provider, contractors should consider several factors. When choosing an insurance provider, contractors should consider several factors.

Skilled negotiation can help contractors reach favorable settlements, avoiding lengthy and costly court proceedings. The additional insured can receive coverage for lawyers’ fees, court costs, and settlements or judgments. The additional insured can receive coverage for lawyers’ fees, court costs, and settlements or judgments.

General liability coverage protects businesses against common business risks like customer injury, property damage, and advertising injury claims. An additional insured is defined as any person covered by an insurance policy other than its policyholder, who enjoys less coverage but still gains crucial protection, including:Defense Coverage. Assists you with covering medical expenses and legal fees associated with defending against an event covered under this plan.
 The type of contracting business you own as well as its size and location will impact what types of insurance policies may be necessary. A knowledgeable insurer is essential to your success - our Risk Control, Underwriting and Claim professionals specialize in your industry and can assist in managing complex indemnity, additional insured and contractual exposures more effectively.
 A knowledgeable insurer is essential to your success - our Risk Control, Underwriting and Claim professionals specialize in your industry and can assist in managing complex indemnity, additional insured and contractual exposures more effectively.


We offer insurance through phone, online and independent agent channels; costs vary based on how you buy.
 Business auto insurance - Covers liability and damage involving vehicles used for business purposes like work trucks. Here are three coverage options that contractors should consider:1. Each job site brings potential for injuries, property damage, and costly lawsuits. Each job site brings potential for injuries, property damage, and costly lawsuits.

People who work for themselves and don’t have any employees generally aren’t required to have workers’ comp insurance, but it's still a good idea to carry coverage. Contractors should carefully review their insurance requirements and consult with an insurance professional to determine the appropriate coverage options for their specific needs.