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Construction insurance can put your company ahead of others.  It signals to your client that you are a professional and can be counted on to do things properly.  If something goes wrong you have the insurance to make it right. Your client is assured that you can take care of their building and be able to finish the project.

 

Farmer Brown recommendations

 

There are a few types of insurance that we at Farmer Brown Insurance recommend when it comes to construction.  These are liability, workers compensation and Builder’s Risk.  When you have this combination you have your risks covered and can proceed with confidence.  Let’s look at how having these will help your business.

 

Advantages of Construction Insurance

 

First and foremost insurance is a way of transferring financial risk in your business. It means you are covered when something goes wrong, and it frees you up to focus on the needs of your customer.  The different types of insurance also bring you additional benefits:

 

  • Workers Compensation

 

This is one of the ways you protect your workers and you protect your business. Your business is unique and a workers compensation policy is not one-size-fits-all; it can be tailored to the size of your business and the work you do.  With this insurance you are able to care for the well being of your employees.  This is a good end in itself. It also means lower staff turnover and higher morale.  These translate to better productivity and quality work, and these are characteristics that can put your business ahead of competitors.

 

  • General Liability Insurance

 

This insurance covers you when a third-party or a client sues you for damages to property or person.  A Farmer Brown policy will include coverage for medical payments, property damage, personal injury, bodily injury and advertising injury.  You can also get specialized coverage particular to a number of trades. This insurance keeps your business legally compliant and protected.  If you don’t have it you could be fined and have to use your own money to pay for injuries. Could your business survive this?

  • Builder’s Risk Insurance

 

Also known as Course of Construction Insurance, this covers you for the duration of your building project.  Client’s often request that you have this insurance and it will put your business in good favor.  It gives protection to the owner of the building as well as the contractors that are working on it. A Builder’s Risk policy will typically include events like theft, fire, vandalism, and wind. A policy is customized to your business and project so it is important to understand what is included and the exclusions, if any.

 

Builder’s Risk insurance is crucial to protect your property and your business during the construction process.

Where to get your Construction insurance

 

Farmer Brown Insurance works with many leading insurance companies.  We have access to a network of insurers and can provide you with options with which few local agents can compete.  Our agents are professional and knowledgeable and will tailor a policy that is right for you.

 

Our turnaround is quick, and you can speak to us 24/7. Call Farmer Brown Insurance on  (888) 973-0016 and get the insurance you need to get you the job.

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