Construction and Contractor Insurance

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Insurance can help your company recover from lawsuits, injuries, and theft. Meet your state's requirements and find peace of mind with the right insurance for your contractor business.

 

We can offer you stand-alone insurance coverage for contractors that other carriers do not provide.

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Auto Fleets

Auto
Fleets

Business Auto Insurance - Business auto insurance protects any vehicles you use in the course of business. Your personal auto policy does not provide coverage for vehicles used by your business. Personal auto policies often contain business-related exclusions. If your employees use vehicles in the course of business uses vehicles you should purchase a separate business auto policy to cover your business in the event of an accident that occurs while an employee is driving.

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Contractors General Liability

General
Liability

GCL Policy - The CGL protects your company from claims of third-party bodily injury or property damage caused by your company. If a person walks into your office or onto a job site and slips and falls or is hit by falling debris caused by your workers in the course of your business your CGL policy would kick in.

Your CGL also provides protection for products and completed operations. Products and completed operations cover damage caused by work you do, the products your company sells, and installs, such as shingles or the construction of the system. However, products or property owned by others that are in your care, custody, and control of an insured is usually excluded under the standard ISO CGL policy form. This gap in coverage can be addressed by inland marine, builder’s risk, or bailees coverage.

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Contractor_Images3

Workers
Compensation

Workers’ Compensation - Workers' compensation covers injuries to your employees who are injured while in the course of their work. Workers' compensation is mandatory everywhere except Texas and Oklahoma. We offer a number of unique advantages through our Early Return To Work (ERTW) and Strategic Case Management Units. These units proactively manage our worker's compensation claims to help provide a seamless process for filing losses, communicating with your clients, and getting injured employees back on the job.

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Contractors Equipment and Tool Coverage

Equipment and
Tool Coverage

Inland Marine Insurance - Most trade and site improvement contractors have equipment for use at their job sites including tools, larger items such as scaffolding, site work equipment, or other types of machinery. They also typically buy and transport materials for installation at their job sites. Contractors' Equipment Insurance and Installation Coverage protect equipment and materials.

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Contractor Commercial Property

Commercial
Property

Commercial Property Insurance - Property insurance protects your company from 1st party losses to business personal property and other physical property. For instance, if you store any equipment in a warehouse, you will want property insurance to protect it. This also covers business income, business interruption (BI), tenant improvements, and other first-party property.

Property insurance is sometimes packaged together with general liability insurance in a business owner’s policy (BOP).

For property that is on the move, such as being transported from office, warehouse, or job site, you will want to have an inland marine policy, also called a “floater”.

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Contractors Umbrella Excess Liability

Umbrella /
Excess Liability

Umbrella and Excess Insurance - Umbrella insurance, aka “excess”, provides additional insurance coverage above and beyond your primary layer.

For example, if a customer trips on the carpet and hits their head, sustaining a serious brain injury. You could be potentially liable for millions of dollars in medical and other payments. Would that entire sum be covered by your existing business liability insurance? Could your business savings and/or revenue make up for the difference in what’s not covered?

If your answer is no, that’s where Commercial Umbrella Coverage comes in. Umbrella Coverage goes above and beyond basic business liability insurance limits, offering up to $10 million of additional funds to manage situations just like this.

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Contractors Pollution

Pollution
Liability

Pollution Liability Insurance - One of the types of business insurance coverage independent contractors may need is pollution liability, which protects against liability from damage caused by hazardous waste materials. Independent contractors must protect themselves against any claims of damage caused while on the job.

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Contractors Errors & Omissions

Errors &
Omissions

Professional Liability Policy (Errors & Omissions) - Professional liability (aka “errors and omissions”, or E&O) protects you if you provide consulting or if you design systems for others. Even if you subcontract out your mechanical and engineering drawings to 3rd parties, you still may need miscellaneous E&O insurance if it is required by contract. E&O covers 3rd party claims related to professional consulting services and the providing of expertise, advice, or counsel. If your company provides design or consulting services, such as electrical line drawings or structural plans for projects, you have professional liability exposure.

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Contractors Surety

Surety
Bond

Surety Bonds - Surety bonds play an important role in a variety of small to large businesses, helping ensure that contractual obligations are met. These obligations can range from construction deadlines to payment requirements, including license and permit bonds, public official bonds, and fiduciary and court bonds.

Looking to get bonded? Click HERE

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Contractor Drone Liability

Drone
Liability

Drone Coverage - With the ability to capture and record high-quality aerial shots in various locations as well as distance, using a drone for business purposes can be a tool to take your business to the next level. Insuring your drone might be a new concept, even if you already have other types of business insurance. Learning the features and coverages of a drone insurance policy is essential to being sure your business is protected.

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Contractors Umbrella Excess Liability

Employment Practices/
Liability Insurance (EPLI)

Employment Practices Liability Insurance (EPLI) - covers employment-related claims from current, former, or even prospective employees. Coverage can also be broadened to extend coverage to independent contractors and provide third-party coverage in the event your employees harass a third party and you are found liable. In general, EPLI claims may result from the following wrongful acts: wrongful termination, discrimination, emotional distress, or harassment.

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Contractors Breach Protection

Cyber and Data
Breach Protection

Cyber Insurance - Cyber and data breach insurance is no longer a niche coverage type for contractors. Cyber and data breach coverage protects the reputation of your contractor business, and your customers, who may be the target of phishing, malware, or other types of cybercrime. Even if your company never regularly processes or keeps personally identifiable information, your business may need cyber insurance. Data breach protection can help pay for the cost of a data breach, outside legal counsel, IT forensics, notification costs, and public relations.

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At Hertvik Insurance, we recognize that every small business is unique. That is why we crafted a customizable suite of insurance products for contractors. Contact us below for a quote for your business.

Scott Byland

Scott Byland

Account Executive

(440) 973-0376

sbyland@hertvik.com

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Professionals We Insure:

Heavy Highway

HEAVY HIGHWAY

Whether you are managing and protecting your work zone, your people or equipment, we can provide you with the right coverage, risk management resources, and expertise to stay ahead of risk.

Paving Contractors

PAVING CONTRACTORS

Damaged paving equipment or a worker injured by hot asphalt could have a major financial impact. Ensure your small outfit is covered with policies designed for paving businesses.

Concrete Contractors

CONCRETE CONTRACTORS

Property damaged during a pour or a cement truck accident could bury your business in debt. Shield it from lawsuits, medical bills, and other expenses with insurance for concrete contractors.

Excavation Contractors

EXCAVATION / EARTH WORK / SITE DEVELOPMENT CONTRACTORS

A skid steer accident could result in costly medical bills, or theft of heavy equipment could necessitate a loan to replace the loss. Protect your business with affordable insurance for excavators.

Striping & Field Coating Contractors

STRIPING & FIELD COATING CONTRACTORS

From striping and field coating, our decades of experience ensures that your insurance program aligns to the needs of your operation.

General Contractors

GENERAL CONTRACTORS

An accident at a construction site could spell disaster for your small business. Insurance for contractors provides peace of mind and covers expenses related to employee injuries, client property damage, and more.

Carpenters

CARPENTERS

Nail guns, saws, and the other tools of your trade make carpentry a risky business. Protect your small business against injuries, lawsuits, and more with affordable insurance for carpenters.

Commercial Construction

COMMERCIAL CONSTRUCTION

Work-related accidents are common, and they can be costly without the right coverage. Protect your business against financial liabilities that could result from unexpected accidents and other situations.

HVAC

HVAC

HVAC insurance can protect your business from common risks that could result in injuries or property damage ending in financial losses. These costly mishaps can even put your business at risk if you don’t have adequate coverage.

Landscaping

LANDSCAPING

Lawn care and landscaping insurance can take care of these costs for you, including medical bills, legal fees and damages too.

Masonry Contractors

MASONRY CONTRACTORS

From stone cutting to grinding, your work means high risk for your small business. Shield it from medical bills, property damage lawsuits, tool theft, and more with mason insurance policies.

Custom Home Builders

CUSTOM HOME BUILDERS

New home construction sites are vulnerable to accidents and injuries - make sure you’re properly protected with policies designed for custom home builders.

Plumbing

PLUMBING

From a plumber injuring his back to water damage at a client’s home, your small business could face medical bills, legal defense costs, and more. Recover quickly from losses and lawsuits with policies designed for plumbers.

Utility Lines

UTILITY LINES

Utility contractors face many risks – above and below the ground. Whether the work pertains to water, sewer, oil and gas pipeline, power line transmission and distribution, or communication line construction – safety and risk mitigation are critical. Shield it with policies customized for process and utility piping.

Electricians

ELECTRICIANS

An electrical burn, company vehicle crash, or other incident could lead to costly downtime and losses. Protect your business with affordable, top-rated insurance for electricians.

Our Services:

Risk Control

Risk
Control

Auto Fleet Safety

Auto Fleet
Safety

Telematics

Telematic
Solutions

OSHA Training

OSHA
Training

Cyber Risk Assessment

Cyber Risk
Assessment

Safety Management Services

Safety Management
Services

FREE Contractor Insurance Checklist

Coverages to keep you protected with our FREE Contractor Insurance Checklist
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