Contractor Insurance for Contractors
Auto insurance rates are based on the estimated risk of you getting behind the wheel. Insurance company looks at several factors before determining a final quote. These factors include your location, demographics, driving history, and vehicle specs. Providing this basic information will help the insurance agent to determine accurate quotes for your driving needs. In addition, your personal level of risk and insurance coverage will contribute to the final cost.
From worker’s compensation to general liability, it is important to know exactly what kind of business insurance you need. With all the complicated terminology that surrounds insurance policies, you need to be in the hands of Pro’s who have the right resources when making the decision. Workers compensation insurance is required in almost any business with employees. It cover’s the bills of your workers should they incurs medical expenses or lost wages from injury or sickness incurring from their job. How do you know which one you need?
No matter the size of your business, it’s vital to make sure your organization has the right type of business insurance coverage. Do you know the difference between Professional liability insurance or General liability insurance? Don’t worry! When we started out we didn’t either. The main difference between general liability and professional liability is in the types of risks they each cover. General liability covers physical risks, such as bodily injuries and property damage.
Professional liability covers more abstract risks, such as errors and omissions in the services your business provides. If you are a professional, like any handyman or contractor, for example, you are responsible for the work at a minimum of 1 year upon your completion at least in CA. Get free business insurance quotes today with our licensed agents. Business insurance can help protect you from vandalism, liability, property damage, cyber threats, and business interruption.
This also includes commercial auto insurance to protect company vehicles. With the Pro Contractors insurance quotes program, you can compare plans, and have helpful licensed agents as tools at your disposal.
It is important to also insure your power tools for less than a dollar a day in most cases. Well worth it considering how much your tools cost in total. Contractors Tool/equipment insurance covers your hand tools, power tools, and other daily tools from theft, vandalism, and physical damage, except for general ware and tear. Contractor’s insurance for tool/equipment coverage covers all you regardless of where you might be keeping them. We understand that your tools are not all in one place. Most contractors have tools in their truck, Van, home garage, business, job site, etc. This is why we help you cover your tools regardless of where they were and when the loss occurred. Ask for a Free Estimate today!