Contractors & Construction Insurance

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You put up walls, wire buildings, and put roofs over people’s heads.

You put finishing touches that make a house a home or an office a pleasure to do business in. It’s hard work with long hours, but you have made it into a successful operation. That is why you need the right insurance policy to protect your business.
Insurance “Need to Know’s”
Construction and contractors have unique needs. You need to protect your property, your employees, and yourself. Here are some common coverages that may apply to your business.

General Liability

Commercial General Liability Insurance is coverage for claims of liability you may incur to others. This can include bodily injury or property damage, personal and advertising injury, and the costs of legal defense of such claims. There are extensions and optional coverages available to add on to the Commercial General Liability Policy to tailor it to a specific business’s needs.

Commercial Property

Commercial Property Coverage protects both real and personal property from any covered losses. This can include property of others not owned by the business, but in the care of the business. In general, this coverage is for losses that occur on the insured’s premises. There are extensions and optional coverages that can be added to Commercial Property Coverage for individual needs. It is important to let us know about your business personal property and your operations so that we can recommend the best coverage for your business.

Commercial Auto

Just like the insurance you have on your personal vehicle, it is important to protect any commercial vehicles your business may have. Whether you have one car or a fleet of trucks, Commercial Auto Insurance protects your business in the event you or your employees cause bodily injury or property damage to someone while operating your business’s vehicle. It also can help cover the costs of repair or replacement in the event of an accident.

Worker’s Compensation

Should an employee be injured on a job, while in the course of employment, Worker’s Compensation Insurance helps cover the costs of medical procedures, lost wages, death benefits, and other expenses. It also protects employers, as it is usually an injured employee’s “sole remedy” for losses from an on the job injury.

Bonds

A bond is a three way contract in which the insurance company which guarantees the performance or honesty of the person or entity bonded to a third party. These may be required by the third party to guarantee the completion of a construction project or the protection of its assets under the control of another party. At Access First Insurance, we understand the unique needs of protecting Contractors and Construction businesses. We can discuss the details of your construction business to tailor an insurance policy specific to you. Call us today for your free, no obligation quote and see how much money we can save you. Please contact us right away.