Contractor's Insurance
Insurance for Skilled Laborers and Their Businesses
Work with our team at Liberty when you need guidance from experts who understand the risks involved with skilled labor and contracting.
We make sure to plug the gaps in coverage for contractors.
Common Contractors We Cover
General Contractors
General contractors manage construction projects and may employ other subcontractors. They typically need liability insurance and workers' compensation insurance to protect against accidents or injuries on the job.
Electricians
Electricians work with electricity, which poses a significant risk of injury. They need liability insurance to protect against damage to property or injury to others and workers' compensation insurance to protect themselves and their employees.
Plumbers
Plumbers work with water and gas lines, which can pose a risk of property damage or injury. They need liability insurance and workers' compensation insurance to protect themselves and their employees.
Roofers
Roofers work at heights and with heavy equipment, which can pose a risk of injury. They need liability insurance and workers' compensation insurance to protect themselves and their employees.
HVAC Technicians
HVAC technicians work with heating and cooling systems, which can pose a risk of property damage or injury. They need liability insurance to protect against damage to property or injury to others and workers' compensation insurance to protect themselves and their employees.
Painters
Painters work with chemicals and often work at heights, which can pose a risk of injury. They need liability insurance and workers' compensation insurance to protect themselves and their employees.
Carpenters
Carpenters work with heavy equipment and power tools, which can pose a risk of injury. They need liability insurance and workers' compensation insurance to protect themselves and their employees.
Concrete Contractors
Concrete contractors work with heavy equipment and chemicals, which can pose a risk of property damage or injury. They need liability insurance to protect against damage to property or injury to others and workers' compensation insurance to protect themselves and their employees.
Drywall Installers
Drywall installers work with heavy sheets of drywall, which can pose a risk of injury. They need liability insurance and workers' compensation insurance to protect themselves and their employees.
Landscapers
Landscapers work with heavy equipment and chemicals, which can pose a risk of property damage or injury. They need liability insurance to protect against damage to property or injury to others and workers' compensation insurance to protect themselves and their employees.
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Contractor Insurance Coverage Options
General Liability
Protects your business from consumer claims of injury or illness.
Business Owner's Policy (BOP)
Combines your liability and property coverage. Also known as a Business Owner’s Policy, these coverages often help our clients save money.
Commercial Property
Commercial Property Insurance protects your business facilities, property, and holdings.
Commercial Auto
Commercial auto policies cover vehicles used for work—including personal vehicles used by staff, managers, or business owners.
Umbrella and Excess
Umbrella and excess insurance provides greater limits and additional coverage to protect against catastrophic losses.
Workers’ Comp
Required by law, workers’ comp programs offer medical payments and income replacement for injured team members.
Liability
Environmental liability insurance protects your business if your work damages the local environment or claims are made that that is the case.
What Coverage Options are Right for Your Contracting Company?
We offer solutions to Risk Management, Claims Management and assist with
Loss mitigation tools.
Why Does Your Contracting Business Need Insurance?
Contracting businesses need insurance for a variety of reasons, but most importantly, they simply have quite a lot of exposure that could cause problems at literally any time. You’re working with dangerous materials, machines, and products.
Plumbers, HVAC techs, electricians, and other specialized tradesmen, you’re operating in potentially dangerous environments. You need coverage because your business—quite literally—depends on it.
Does a Contractor Need Business Support?
Contractors could use business support simply because these types of businesses are so diverse. You can work with The Liberty Company to better manage:
- Hiring
- Leadership
- Bookkeeping
- Safety training
- Educational support
With this sort of support, you can change the way your business runs, enhance your bottom line, and protect your team. Remember, your business is so diverse that getting support is a good thing.
How Does Contractor’s Insurance Work?
With diverse clients come diverse needs. Working with our team at Liberty, you get the chance to:
- Bind coverage that matches the work you do.
- Assess your coverage every year as you expand your offerings and operation.
- Keep costs down.
- Ensure all claims are paid in a timely manner.
Review Your Needs
We cover every detail of your operation to make certain that you’re properly covered. This is the easiest way to avoid gaps in contractor’s insurance coverage.
Obtain Quotes From Our Partner Carriers
We have access to every carrier in the industry, allowing us to market your policy for the best price and level of coverage.
Learn About Policy Options
We’ll help you balance price and coverage while reviewing every quote we’ve received. Because we have existing relationships with business carriers, we know how to pinpoint the best policy for you.
Get Covered Right Away
We can close the deal quickly, bind coverage, and make sure that your contracting company is protected.
Frequently Asked Questions about Contractor's Insurance
What is the role of a contractor?
Contractors perform skilled labor in homes and businesses throughout the community, offering plumbing, electrical, HVAC, and other technical services to the public.
What is contractor work in construction?
Contractor work in construction often applies to the nuts and bolts of the building that make it functional, including the plumbing, electrician, HVAC system, etc.
How to Choose Your Insurance Broker
At Liberty, we recommend you choose our team of experts because we offer expert guidance, quotes from all the best carriers, claims support, and a host of other options that will maximize the performance of your business.
Don’t hesitate to reach out. We can answer your questions, write coverage, and close the deal so you can get back to work.
