Contractor Insurance

Constructing the ideal insurance coverage.

承包商保险在田纳西州中部地区,包括纳什维尔,TN和周围的县.

Contractor insurance isn’t one-size-fits-all. 专门的政策允许您轻松定制和简化您的保险范围,以确保您的业务的独特需求得到保护.

专业承包商保险是一种覆盖多种风险的简单方法,而不必满足于一种“一刀切”的保险,它会在你不想要或不需要的保险上浪费钱.

一个好的保险包括一般责任,为您在现场或在您自己的场所对游客造成的损害或伤害的索赔提供保险. 这样的成本可能是巨大的,如果你想投标政府合同,一般责任保险通常是强制性的.

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Which business insurance is right for your company?

探索如何拥有正确的皇冠线上买球可以保护你的公司免受意外.

Contractor
Commercial General Liability Coverage
Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.

Solution

商业一般责任保险对每个承包商来说都是绝对必要的. This type of protection provides broad coverage for premises, operations, products, 以及对第三方或财产的索赔,当你被认为负有责任时. 它还将为任何涉及的诉讼或行动支付辩护费用,无论其价值如何.

Commercial Property Coverage
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.

Solution

商业财产保险可以帮助保护你的企业拥有和租赁的财产, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, 商业财产保险可以单独购买,也可以与其他必要的保险组合购买,以保护您企业的有形资产.

Contractors' Equipment Coverage
Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. 如果没有你的专业工具和设备,你的工作场所可能会急刹车.

Solution

As a contractor, 你需要承包商的设备保险——一种专门设计用来保护你移动中的工具和设备的政策. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, 承包商的设备保险通常包括洪水和地震造成的损失.

Builders Risk and Installation Insurance
Risk Factor

在建建筑不包括在标准的建筑保险政策或家庭保险政策下,因为它不是一个完整的结构. As a contractor, 您可能要对与在建建筑相关的特殊损失风险负责,如建筑材料和高价值设备(如发电机和压缩机)的失窃.

Solution

建筑商风险和安装保险为正在施工的房屋或建筑物提供保险, until they are completed. 该政策涵盖了承包商在材料安装之前在工地上的利益, 为承包商设备保险而指定的运输中的建筑材料——一项特别的政策和正在建造的财产的价值直到它完成.

Workers’ Compensation
Risk Factor

如果你的员工在工作中受伤或生病, you are required by law to have the proper coverage in place.

Solution

工伤补偿保护你的雇员在工作期间发生与工作有关的伤害或疾病. This coverage is required by law and may vary by area, 因此,要确保你理解你的义务,在你的业务运营的所有实体地点和你雇佣员工的所有实体地点.

Business Auto Insurance
Risk Factor

作为一个承包商,你有许多风险与你的业务车辆拥有或租赁. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, 一个单一的事故可能会让你的承包商生意陷入财务危机.

Solution

商业汽车保险为承包商拥有或租赁的车辆提供保险,并为人身伤害提供保险, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds
Risk Factor

如果你是一个建筑项目的承包商,而其他承包商和供应商也参与其中, 您可能要对其他承包商或供应商造成的任何损害或伤害负责, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, 造成双方共同客户的人员或财产损失的供应商或分包商.

Solution

考虑与每个实体签订合同,其中包括对你有利的无害协议. 持有无害协议规定,该实体将使您免受因其疏忽造成的任何伤害或损害. In addition, 合同应要求该实体将您列为其保单的附加投保对象. 如果你被他们告上了法庭,他们可能会在保单下为你提供伤害或损害的保险.

Commercial Umbrella / Excess Insurance
Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. 如果你的公司被发现对工地上的损坏或伤害负责, 你可能会面临一大笔责任损失,超过你的标准保险的基本限度.

Solution

你应该考虑购买商业雨伞保险,它提供更高的限额, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

You should also make sure that you protect your stock, machinery and equipment against damage or loss from fire, theft, flooding and other risks, both on-site and off-site. Just as importantly, 如果你因为设备损坏而无法进行工作,你需要购买收入损失保险.

Remember also to get workers’ compensation insurance, 这通常是强制性的,保护雇员不因工作场所伤害而失去收入和医疗费用. 你可能会担心,考虑到建筑工程的固有风险,工人补偿政策的成本将会很高, but many insurers will offer discounts if you follow safety programs.

如果您需要任何帮助选择正确的承包商保险政策,今天皇冠线上充值.

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