We help protect a wide range of professionals. People who need contractor insurance include electricians, plumbers, and HVAC contractors, interior decorators, janitorial and lawn care services. Get the property and liability protection you feel is right, with an brokerage who can help you customize your coverage.
Who needs contractors insurance?
To protect yourself and your business from work-related accidents, it is recommended the following contractors carry contractors insurance:
Property in Transit
Covers mobile machinery and equipment in any location or while in transit.
To help protect your contents and equipment from accidental direct physical loss.
Other business insurance policies you may need
Extend coverage over and above your other liability.
Even more coverage you may need
Protect your valuable electrician tools and machinery against damage while on the job. Common tools include those used in construction, landscaping and engineering, such as compressors, pumps, saws and other portable equipment.
Loss of Income & Extra Expense
This provides for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set up the insured at a temporary location during repairs.
This coverage responds when an employee steals money or property from your business. This is normally an optional coverage, but this coverage is included with Allstate business insurance for Repair & Maintenance.
Equipment leased or rented from others
Protect equipment that you have rented or leased for your electrical contracting business, such as forklifts and backhoes.