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Contractors’ Insurance Needs and CIA

Contractors’ Insurance Needs and CIA

Insurance policies depend on your business’s individual needs, and the individual needs of contractors vary greatly.  Within such a varied industry as contract work, insurance companies like Central Insurance Agency are key to your risk mitigation plan. Contract businesses deal with inherent risk every day, and should be prepared for worst-case scenarios. Having the right insurance plan in your corner can be the difference between financial stability and high levels of unnecessary risk.

Because of the significant number of insurance liabilities faced by contractors the insurance solutions offered to them must be robust and effective like those provided by Central Insurance Agency.

Central Insurance Agency offers many policies to contractors, including but not limited to:

  • General Liability

  • Property in Transit

  • Workers’ Compensation

  • Commercial Auto

  • Umbrella/Excess Liability

  • Errors and Omissions

Central Insurance Agency benefits contractors by working with your business to find the best policies for you. A coverage plan that can navigate the minefield that is contractor insurance risk can help your business remain secure. General liability is a good start as part of most business insurance plans. Not only is it expected when conducting business but general liability insurance is often considered among the most important aspects of a contractor’s insurance plan.

Contractors dealing with regular construction face common risks that CIA can help you with. While risks within the construction industry involve many different safety possibilities, CIA can help you to protect against them efficiently. Consider your options, but note that the most common risks are bodily injury, property damage, as well as the cost of ensuing medical payments that can come from a claim.

Risk can also come from outside of your business and employees. If someone outside of a job site wanders onto the site and retains an industry, your business, as in the job site in which you are currently working,  is liable for that. Keeping employees aware of insurance risks can help to reduce unnecessary accidents.

At the end of the day damage to your client’s property can affect your bottom line. No matter the injury, if it is caused by an employee or job site negligence, you may be liable.

Contact CIA today for a free quote!

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