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Contractors Liability

If you are a contractor, it probably follows that you need contractors’ liability insurance. BIA Insurance Agency provides contractors’ liability insurance for virtually any type of contractor-plumbers, commercial drywall contractors, electricians-as well as Accidental Death and Dismemberment Insurance for contractors to offer their employees.

There are several types of contractors’ liability that BIA Insurance Agency offers. Primary General Liability insurance is best for commercial and residential subcontractors, commercial general contractors, and residential homebuilders. This coverage is wide and covers issues related, but not limited to, highway, street, and road work; water, sewer, pipeline’ power, plumbing, heating, and air conditioning; painting and paperhanging; electrical; stone work and masonry; plastering, drywall, acoustical ceiling; terrazzo, tile, marble, and mosaic work; carpentry; water well drilling; excavation; and residential home building. Lead umbrella and excess liability insurance for commercial and residential subcontractors, general contracts, and residential homebuilders.

On top of these features, which are unique to contractors’ liability insurance, BIA Insurance Agency also offers other options for insurance that contractors may find that they need. General liability is available for common claims that arise from day-to-day activities, such as slipping on a wet floor. Products completed operations encompasses two forms of insurance. Product insurance is for damage or injury that results from a product you have sold or installed, even if the manufacturer is at fault. Completed operations insurance is for damage or injury that results from the workmanship, repair, or service you provided. Scheduled equipment insurance covers large tools and equipment that you or your employees may use on the job, such as welders and generators. Hand tools, however, are covered under a blanket basis. Electronic data processing insurance covers hardware that is subject to mechanical breakdown or electrical power surge, and software that is subject to sabotage and accidental destruction. Course of construction insurance covers damages to a property during construction. Bond insurance covers your bonds if you fail to finish a job that you were contracted for. Additional insurance options you may find useful for your contracting business include workers’ compensation and trucking or commercial automobile insurance.

Here at BIA Insurance Agency, we offer a wide variety of contractors’ liability insurance coverage options for you and for your business. One of our experienced and knowledgeable commercial insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions and to help you find the best, most affordable and extensive contractors’ liability insurance coverage for you and your business, so give us a call today.

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