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It can be daunting setting up your contractor business insurance policy for the first time. Usually, insurance policies are complex, and they come with clauses and exclusions that can affect the final price and the effectiveness of your coverage.


Yes, you DO need insurance

44% of the 30 million small businesses in the US never had any form of insurance protection. Underinsured or uninsured companies are exposed to legal and financial risks daily.

  1. From unexpected accidents such as property damage to legal action following issues with a completed-product, contractors that work without insurance are in danger of facing substantial financial repercussions.
  2. On top of that, businesses without the appropriate insurance protection are often in non-compliance with local, state and federal laws
  3. Finally, without proper insurance, contractors will have a harder time finding clients. Clients will generally require that businesses have a General Liability insurance policy before starting a project.

With all this in mind, what do you need to know before you purchase a General Liability insurance policy?


Tips for purchasing General Liability insurance protection

Before purchasing General Liability insurance, you should be aware of your risk level. Will a regular policy give you enough insurance, or do you need extensions? Our insurance consultants are here to help you out at this point,

You must know what coverage you have, so make sure to ask your broker to go in detail before you decide on the coverage you need. For example, the basic General Liability insurance package will not protect you if you are sued because your client experienced financial loss as a result of your service or professional advice. Add professional liability insurance policy, or errors and omissions insurance to your coverage.

You want the best rates. This will keep your business expenses down, but give you the protection you need.  You want to shop around, but do you have the time?   We are here to help. We will get you several quotes at the best rates from the best carriers, and help you choose.


Extra advice on your contractor business insurance protection

John Brown President Farmer Brown Insurance (888) 973 0016

John Brown – President

The risks are significant, while the costs are reasonable, and the benefits of having insurance range from peace of mind, to financial protection against a variety of claims, For more information about the ideal contractor business insurance protection for you, call Farmer Brown Insurance on (888) 973-0016.


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