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(325) 244 - 0999

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kam@amcagentsllc.com

Contractor And Builders

Contractor and Builder Insurance

This is essential protection for those working in the construction industry. This coverage is designed to protect against specific risks associated with construction projects, such as property damage, workplace accidents, and liability. From individual contractors to large construction firms, this insurance provides the peace of mind needed to focus on the job site, knowing that personnel, equipment and tools are protected against unforeseen events.

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Agency Tips
Consider the type of work you perform and the risks associated with each project. Contractors performing high-risk work, such as demolition or work at heights, should opt for more comprehensive coverage.
Be sure to include both liability and property damage coverage. This will protect your assets against third party claims and accidental damage at the construction site.
Machinery and tools represent a major investment. Look for insurance to cover these assets against theft, damage or loss.
Some cities and states require contractors to carry a minimum level of coverage to obtain permits. Consult with an insurance advisor or agent to ensure compliance with these regulations.
If you have employees on the project, this type of coverage is essential to protect you against workplace accident claims, ensuring that workers have access to adequate medical care and compensation.

All of our plans include General Liability Coverage, an essential insurance policy that protects your business against common risks associated with day-to-day field operations. This coverage is designed to provide support in a variety of situations where you could face third-party claims due to damage or injury. Below are some key examples of how this coverage can protect you in your professional activity:

  • Bodily Injury: Imagine you are performing a job and a customer trips over your toolbox, even though you warned him to be careful when passing by. The customer is injured and decides to sue you for negligence, claiming medical expenses and any loss of income due to the accident. With this coverage, you will have the peace of mind of having financial protection for third party injury claims, ensuring that any unforeseen events do not affect the stability of your business.

  • Property Damage: In the middle of a project, you accidentally drop your hammer on your client’s wood floor, causing a significant dent. The repair is costly, and the client demands that you assume responsibility and cover the costs. Our general liability coverage takes care of these types of situations, giving you the backing to cover accidental damage to third-party property without compromising your finances.

  • Libel, Slander, and Defamation: In a conversation, you make an unfortunate comment about another contractor in your town. Someone overhears and tells the competitor, who feels hurt and decides to take legal action for defamation. General liability coverage can also protect you in these cases, assuming defense costs and, if necessary, compensation arising from these situations.

     

    Important: This is only a summary of your policy and does not replace the official policy documents. For complete coverage details, please contact our customer service team at (325) 244-0999.