Protect the Project With Contractor’s Liability Coverage

Construction Insurance

There are general liability construction issues that can plague the most seasoned contractors, and dealing with work-related accidents can be both expensive and time-consuming. As advised by the experts at, the right construction insurance policy makes the difference in having the financial resources necessary to withstand a lawsuit. This could be a deciding factor in being able to stay in business or having to shut it down.

Types of Services Needing Coverage

As a precaution, many clients will request that a contractor or business carry a specific coverage line and limit before work on a project is allowed to begin.  Some of those businesses or services include:

  • Home improvement
  • Excavation
  • Land clearing
  • New construction
  • Remodeling
  • Welding
  • Asphalt laying
  • Concrete or masonry
  • Windows or siding
  • Masonry

Coverage Costs

The type of work you perform, the type of equipment you use, and the exposures you face during the course of work will impact the cost of your premium. Other things taken into account include the employees, past claims made, and work vehicles that may be operated on a daily basis. If you think carrying extra coverage will help your bottom, the reality is that you can’t afford to operate or withstand a claim without coverage. However, talk to your broker and your accountant, as insurance premiums can often be used as an expense, which helps restore your bottom line.

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