Construction Insurance in Greenville, SC
A slow week on the job site can be stressful enough. Add an unexpected accident, a stolen tool or a client dispute over property damage and that stress can quickly become a financial crisis. Contractors insurance is intended to address those and other risks so your business can keep moving forward after the unexpected.
What Does Contractors Insurance Cover?
Coverage may vary by policy and trade, but most contractors insurance policies in South Carolina may include the following:
- General liability insurance may cover third-party bodily injury and property damage claims arising from your work, as well as claims of personal and advertising injury.
- Workers’ compensation insurance may help with medical bills and lost wages after a work-related injury or illness.
- Commercial auto insurance may cover vehicles used for business purposes, such as trucks transporting equipment to job sites.
- Builders risk insurance may cover structures under construction against damage from fire, theft and severe weather events.
- Inland marine insurance may cover tools and equipment while in transit or stored off-site.
- Business interruption insurance may pay ongoing expenses and help recover lost income if a covered event disrupts your business operations.
Who Needs Contractors Insurance?
General contractors, subcontractors, electricians, plumbers, roofers, landscapers and specialty tradespeople all face similar on-the-job exposures. If you work on someone else’s property, operate a crew or carry tools worth thousands of dollars, having contractors insurance makes practical sense. Some clients and municipalities require proof of coverage before work can even begin.
Get Covered Today
Sorting out the right mix of coverage for your trade does not have to be complicated. Contact La Cima Insurance Agency LLC today to talk through your situation and get a clearer picture of what your business may need.