General contractors should acquire commercial insurance that covers their materials, vehicles, and employees. Learn about some types of coverage that you should seek as a contractor. Call one of our Harris Insurance agents serving the greater Jasper, AL community to purchase the insurance products you need.
Protection Of Goods
The protection of goods will cover the cost of repairing or replacing any materials that are used on a worksite. This type of coverage protects against theft and vandalism. It also protects against damage that occurs from a natural weather event.
Vehicle Coverage
Automotive insurance should be acquired for any vehicle that is used for commercial purposes. If you or your crew members are responsible for transporting materials to and from each worksite, it is imperative that each vehicle is equipped with sufficient coverage.
Workers’ Compensation Coverage
Workers’ compensation insurance will provide coverage for the loss of wages that an injured employee incurs. If an employee is injured while they are working, the workers’ compensation coverage will reimburse them. It will also pay for medical costs that an employee is responsible for.
Liability Coverage
Liability coverage will protect you from costs associated with legal matters. It will handle medical bills, the repair, and the replacement of materials. The type of liability coverage that you need will be dependent upon the size of your business. The line of work that you perform will influence the amount of liability coverage that you should seek.
Schedule A Consultation Today
Now that you are aware of some of the insurance types that you will need as a general contractor, set up an appointment to meet with a Harris Insurance agent in Jasper, AL. We will discuss the commercial insurance types that will benefit you as a business owner.