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What You Need to Know before Getting Contractors InsuranceThe category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpenters, plumbers, electricians, roofers and tree surgeons are some of them. Also included are diverse other skilled service providers, such as interior decorators, piano tuners and exterminators.
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Contractors insurance needs of this group include coverage for equipment and tools that are often moved around and for the value of work done for a customer until it is finished.
For many artisan contractors, the most
Contractor Property Insurance
The BOP covers real estate and other property that your business owns that is located at the described business premises. If your business rents or leases its premises, the BOP provides coverage for tenants’ improvements and betterments. These are fixtures, alterations, installations or additions that you have put into the space that cannot legally be removed from the landlord’s premises.
Your biggest personal property loss exposures, however, may involve valuable machinery and equipment that moves around from job to job and is not covered by the standard property insurance. Such movable property is insured by contracts that insurers call “floaters.”
An installer’s floater covers all kinds of machinery and equipment during transit, installation
A tools and equipment floater covers the insured property wherever it is used and may include such items as hand tools, power drills, hoisting machines
Contractor Liability Insurance
Given the possibility of a lawsuit should someone claim to have been harmed by your work, you will almost certainly need liability insurance.
If working as a subcontractor, your customer may require you to have Owners and Contractors Protective Liability (OCP) coverage. This protects either a property/
Business Vehicle Insurance For Contractors
Your personal auto policy probably provides coverage for some business use of your truck, van or
If you’re driving a truck you own personally for a business purpose and get into an accident for which you are liable, an injured person could sue you personally. Will your personal auto policy have enough coverage to pay all the damages? If not, a lawsuit may be filed against your business. If you use personal vehicles for business, you want to be sure you have high enough limits to protect your business. You should discuss this with your insurance agent.
Contractors Workers Compensation Insurance
States have varying rules about when an employer must provide workers compensation insurance. If you have three or more employees, you should check with your state department of workers compensation to see if you are required to provide workers comp insurance.
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