Contracting Industry

Everywhere we live, work and play exists thanks to the hard work and craftsmanship of contractors. If you’re one of the 6 million contractors in the United States, you’re well aware of the unique and complex operations that must be addressed by your contractors insurance.

  • Plumbing and HVAC
  • Flooring
  • Tile
  • Painting / Wall Covering
  • Glass
  • Masonry
  • Finish Carpentry
  • Electrical


 

  • Plumbing and HVAC
  • Flooring
  • Tile
  • Painting / Wall Covering
  • Glass
  • Masonry
  • Framing
  • Excavation
  • Drywall and Insulation
  • Commercial Building Construction

 

  • Care, custody and control
  • Per project / per location aggregate
  • Contract penalty reimbursement
  • Additional insureds
  • Fellow employee coverage
  • Waiver of subrogation
  • Equipment breakdown
  • Employment practices liability
  • Inland marine coverages
  • And more

 

Tips for talking with your agent

  • Provide documentation of all of your various employee and contractor relationships you have.
  • Bring in a list of your equipment, including any equipment you may lease or rent.
  • Discuss your most recent 3-5 jobs.
  • Have a copy of your most current payroll audit available. In addition to providing accurate payroll information, this can help your agent determine the best class code(s) for your policy, which may help you avoid large swings in your audit bills or credits.