承包商的保险

构建理想的保险范围.

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承包商 insurance in the middle Tennessee area, including Nashville, TN and surrounding counties.

承包商保险不是一刀切的. A specialized policy allows you to easily customize and simplify your insurance coverage to ensure that your business’ unique needs are protected.

A specialty contractor insurance policy is an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage you don’t want or need.

A good policy includes general liability that covers you against claims of damage or injury caused on site or to visitors on your own premises. Such costs can be immense and general liability insurance is often mandatory if you want to bid for government contracts.

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Explore how having the right business insurance can protect your company from the unexpected.

承包商
商业一般责任保险
风险因素

作为一个承包商, 你的生意可能容易受到许多风险的影响, 比如人身伤害索赔, 财产损失, 人身伤害, 和更多的. 和, 如果你雇佣其他承包商来代表你完成工作, 你要为他们在工作中造成的任何损失负责.

解决方案

Commercial general liability insurance is an absolute necessity for every contractor. 这种类型的保护为房地提供广泛的覆盖范围, 操作, 产品, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

商业地产的报道
风险因素

当一场火灾, 盗窃, 或者另一种灾难来袭, 你的商业财产和其中的一切都可能遭受重大损失. 这会对你的生意产生不利的影响.

解决方案

Commercial property insurance can help protect the property your business owns and leases, 包括设备之类的东西, 库存, 家具, 及设施. 不管你是拥有自己的大楼还是出租你的工作空间, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

承包商的设备范围
风险因素

您不断地将工具从一个工作地点移到另一个工作地点, 将您的承包商业务暴露于由于损坏或盗窃的潜在损失. 和 without your specialized tools and equipment, your job site may come to a screeching halt.

解决方案

作为一个承包商, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. 该保单将包括设备的各种损失, 包括火灾, 爆炸, 破坏公物, 盗窃, 与其他设备或物体碰撞并倾覆. 不像标准的商业财产保险政策, contractors' equipment insurance often covers losses caused by floods and earthquakes.

建设者风险和安装保险
风险因素

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. 作为一个承包商, you may be responsible for unique loss exposures related to buildings under construction such as the 盗窃 of building materials and high valued equipment such as generators and compressors.

解决方案

Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, 直到完成. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

工人的补偿
风险因素

If one of your employees receives an injury or becomes ill due to a work-related occurrence, 法律要求你拥有适当的保险.

解决方案

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. 这是法律要求的覆盖范围,可能因地区而异, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

商业汽车保险
风险因素

作为一个承包商, you have many exposures associated with your business vehicles–owned or leased. 带着一队汽车, 卡车, 货车, 或在经营过程中使用的其他类型车辆, a single accident can potentially put your contractor business in financial jeopardy.

解决方案

业务 auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, 财产损失, 和其他风险, 并且可能包括全面的和碰撞覆盖.

持有无害/附加被保险人
风险因素

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, 给你留下了昂贵的法律费用和和解费用. 你的公司需要防范其他公司的风险, vendor or subcontractor causing damage to people or property of your mutual customer.

解决方案

Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. 除了, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

商业保护伞/超额保险
风险因素

在建筑行业,损失和诉讼是很常见的, 和解可能是实质性的. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

解决方案

You should consider purchasing a commercial umbrella insurance policy which provides higher limits, 通常在2美元,000,000年和10美元,000,000, 并且经常扩大覆盖面. 保险范围扩大到各种保单, 包括一般责任保险, 商务汽车, 董事和高级管理人员责任保险.

你还应该确保保护好你的股票, 防止因火灾造成的损坏或损失的机器设备, 盗窃, 洪水和其他风险, 包括现场和场外. 同样重要的是, you need to have insurance coverage against loss of income if you are unable to carry out work because your equipment is damaged.

还要记得买工伤补偿保险, which is usually mandatory and protects employees against lost income and medical bills resulting from workplace injuries. You might be worried that the costs of a workers’ compensation policy will be high given the inherent risks of construction work, 但如果你遵循安全计划,许多保险公司会提供折扣.

If you need any help choosing the right contractor insurance policy, contact us today.

承包商保险报价请求

作为一个独立的机构,我们提供多种选择,具有竞争力的价格.

  • 在由持牌代理人确认之前,保险范围不受限制或更改.
  • 此字段用于验证目的,应该保持不变.