Contractor Insurance

picture of a construction worker welding large metal beam on a job site

As a small business owner you know how important it is to have the right kind of insurance coverage at a cost you can afford. The independent brokers at CompareAQuoteservices are uniquely qualified to help you with your small business insurance needs. Our agents do not represent any one company for business insurance, but rather we have access to hundreds of insurance companies around the globe, making it possible for us to bring you the multiple quotes you need to secure the very best coverage for your small business insurance needs.

Contractor’s Insurance

Contractors face unique and often dangerous risks every day on the job. For this reason, it is important to have the right kind of insurance coverage to minimize your financial exposure. Whether you are an electrical, plumbing, excavation or HVAC contractor, you know that, in an instant, accidents can happen. Because every business is different, commercial insurance solutions for contractors can range from a standard policy to a mix of policies. The type of contracting business you own, janitorial, engineering or construction, as well as its size and location, will affect the types of insurance you will need. The independent brokers at CompareAQuote understand the risks contractors face each day and they are ready to help you develop the commercial insurance solutions that will meet your particular needs. We have access to hundreds of insurance companies offering insurance packages that are just right for your type of business, including policies to protect wholesalers and distributors. Our agents will assist you in finding the right level of coverage for your business.

Contractor Insurance Coverage

You will most likely need several different types of insurance to cover your risk as a contractor. Some of the insurance products you will need are commercial auto insurance, workers’ compensation insurance, errors and omissions coverage, contractor’s equipment coverage and coverage for equipment rented or leased from others, employee dishonesty coverage and property in transit coverage. Your emphasis must be on safety. The experienced and knowledgeable agents at CompareAQuote will use their access to hundreds of different contractor’s insurance companies to ensure that you are protected with every type of coverage you need.

Sub-Contractor Insurance

We appreciate small businesses- after all, they comprise a whopping 70% of all business nationwide. We have specialists that work solely with small businesses helping them get a good value for their dollar. In fact, many businesses use CompareAQuote just for that main reason- they know they are going to get the very best coverage for their hard earned dollars. We started small, and we know what is like to struggle through the beginnings of small business growth. That is why we have a special place for them in our hearts- and we know how to get them the very best deals while not going too far with cost cutting that it makes for unnecessary risk. Call us today and see why businesses really like doing business with CompareAQuote.

Small Business Insurance Quotes

The more quotes you have when getting ready to purchase small business insurance, the better able you will be to keep your costs down. Only the assistance of an independent small business insurance broker like CompareAQuotecan save you valuable time and money in your search for the right policy for you and your small business.

Small Business Insurance Cost

Every small business is unique and securing multiple quotes for your small business insurance is essential. With an independent broker from CompareAQuoteby your side to guide you, you can be assured of getting the right coverage for your business at a cost you can afford. Some basic types of insurance to consider when you are shopping for a policy include:

General Liability Insurance

You will want to start with quotes for general liability insurance. This type of insurance protects your business from claims from another person or business pertaining to bodily injury including associated medical costs, as well as damage to property. It will also provide you with funds for a legal defense against these types of claims. Because CompareAQuotewill provide you with multiple quotes for general liability insurance, you are assured of getting the perfect fit for your business and your budget.

Emphasis on Safety

It is important to do all you can to ensure the safety of your employees and your customers. As your partner, CompareAQuote services will consult with you on employee training as well as developing a safe working environment for any job. While not all accidents can be prevented, there are steps you can take to minimize risk. Some things you might consider emphasizing with your employees are, ways to avoid slips, trips and falls, fleet accident procedures, using business autos for personal use, grounding and bonding for fire safety, early return to work after injury, driving in adverse road conditions, driver distraction, skid avoidance, the proper use of all equipment, resolution of workplace conflict, customer service, and more.

Life Insurance

Since you are the most important element of your small business, it is essential that you carry a life insurance policy on yourself. The company pays the premiums and is the beneficiary of the policy. If you die unexpectedly, the company receives the insurance payoff. This protects your company and/or your family from potential financial losses due to your death. The cost of your life insurance policy will depend on the amount of coverage you determine you need to protect your small business and your loved ones. CompareAQuotecan help you determine the amount that is right for you.

Errors and Omissions Insurance

If you provide a professional service, or regularly give advice to clients, having errors and omissions insurance coverage is an integral part of protecting your business. You can be sued for negligence or failure to perform your professional services, even if you have not made a mistake.

Workers’ Compensation Insurance

If you have employees you will need workers’ compensation insurance. This form of insurance provides wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue you for the tort of negligence. The potential losses to your firm in the event of employee injury are far too extensive to contemplate. Workers’ compensation is a vital part of your business insurance policy.

For all your insurance needs, contact the independent insurance broker/agents at CompareAQuoteservices. From simple enquiries, to quotes, the binding of policies, and the maintenance of your insurance portfolio for years to come, you can depend on CompareAQuoteto secure the best possible protection for you and your family against any type of small or disastrous loss. Simply fill out the form attached here, or give us a call today at the number listed above to get started!