Contractors Insurance
Contractors Insurance in Washington, Oregon, and Arizona
Contractors Insurance
Whether you’re a general contractor, a subcontractor, or a skilled tradesperson, having the right insurance is essential to protect your business and your projects. DFG Insurance offers customized contractors insurance policies to cover you against risks related to construction projects, employee injuries, property damage, and more.
What Does Contractors Insurance Cover?
Contractors insurance is designed to address the unique risks faced by those in the construction industry. Typical coverages include:
General Liability Insurance
Protects you if you’re held responsible for injury or property damage during a project.
Workers’ Compensation Insurance
Covers medical costs and lost wages if your employees are injured on the job.
Commercial Auto Insurance
Covers damage to vehicles used on the job, whether for transporting tools, materials, or workers.
Tools and Equipment Coverage
Insures your tools and machinery used on the job site against theft, damage, or loss.
Builders Risk Insurance
Covers property damage during the construction phase of a project.
Professional Liability Insurance
Protects against claims related to errors or mistakes in your professional work.
Frequently Asked Questions
Do I need contractor’s insurance if I’m a small business owner?
Yes, regardless of your business size, contractors insurance protects you against risks like property damage, accidents, and employee injuries, which could be costly without coverage.
Is workers’ compensation required for contractors?
In most states, workers’ compensation is required by law if you have employees. It provides protection for both you and your workers in case of injury on the job.
Does contractors insurance cover equipment damage?
Yes, contractors insurance typically includes coverage for tools and equipment, but coverage limits and conditions may vary depending on your policy.
