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Contractors Insurance

Contractors Insurance

The investment you’ve put into building your contractor business in Indiana should be protected. There are many ways contractors are vulnerable today, from property damage and theft to legal judgments that spell financial catastrophe.

Contractors insurance is designed to protect you, so you don’t have to pay out of pocket for unexpected events beyond your control. It protects you and your investment, as well as the livelihood of any employees who rely on you.

Contractors Insurance Can Take Many Forms

We understand that contracting businesses are all a little different. Therefore, your insurance needs are unique. We tailor insurance policies to suit each contractor, based on the size of their business and the type of work they do. You probably need a combination of some of these types of insurance:

  • General liability insurance, if someone is injured as a result of your work or if another’s property is damaged during the course of a job
  • Commercial umbrella insurance that kicks in when your general liability insurance cap is reached (recommended for high-risk contracting professions like electricians)
  • Personal property insurance, which protects the business equipment you need to do your job, whether it’s in your truck or at a job site
  • Property insurance for your office
  • Commercial auto insurance for your business or personal vehicle used in the operation of your company
  • Inland marine insurance to cover other people’s property while you transport it
  • Workers' compensation to protect employees if they get injured on the job (required by the state of Indiana for most businesses)
  • Bonds for when your word is on the line to get a job done on time and on budget
  • Loss of income insurance, in case events prevent you from operating

Independent Agents Provide Customized Contractors Insurance

When you work with independent insurance agents, you can get a policy tailored to you. Agents like Wetzel Insurance Agency have more options than big companies, plus you get personalized service to better ensure proper coverage.

Call us at 574-267-6183 to tell us more about your contracting business, and we can help you start a policy today. You’re also welcome to reach out online any time to let us know how we can assist in protecting your business with Indiana contractors insurance.