Repairs and installations required by new construction or remodeling have you or your contractor/employees in and out of business premises and homes. And work you do today will be called upon for years to function properly. Because of these and other factors unique to your contracting business, you need special insurance.
Standard business insurance programs usually need to be customized to properly insure the activities of skilled contractors such as plumbers, electricians and HVAC Specialists. A starting point is property insurance for buildings and many classes of business property, liability insurance to protect from lawsuits alleging negligence, and commercial auto insurance. For smaller contracting businesses, a Business Owners Policy (BOP) is often a good foundation from which to build a solid insurance program. But often a gap in a program like this for many contractors exists due to the lack of coverage standard insurance provides for tools and equipment that you move between your shop and different job sites. Some other insurance coverage that all plumbing, electrical, and HVAC contractors should consider:
Contact us today to discuss your business insurance needs and learn about your options.
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