As a contractor, each job you win brings in extra money but it also brings extra risk. The same contractors insurance that protected you for a one-man project may not protect you during your new multi-year commercial deal.

You know that insurance is vital to all aspects of your business as a contractor–it can literally keep you in business when accidents occur.

Because every business is different, commercial insurance solutions for contractors can range from a basic policy to a thorough mix of coverages. 

Also, the type of contracting business you own, size, number of employees, and type of work all have an impact on the types of protection you may need.

We understand you need to stay focused on work, and not the risks you face every day. That’s why we work with multiple carriers to find you the best coverage at the most affordable price.

Even when the job is finished, there is plenty more work to be done. You may have connected the final fixtures, flipped the switch, and handed over the keys, but the potential liability from your work goes on.

Our insurance keeps protecting you from any accidents or faults that may allegedly result from work you’ve overseen or performed. In the trades, you need a solid contractor insurance policy that keeps working to protect you long after you have moved to the next job site.

The list of coverage areas that need to be addressed in your contractors insurance include:

• Property in transit
• Workers Compensation 
• Trucks and other commercial vehicles 
• Errors and omissions

If your contractors insurance misses any of this protection, your job and your company could be at serious risk.

The list of coverage areas that need to be addressed in your contractors insurance include:

• Liability
• Workers Compensation
• Bonds
• Disability
• Trucks and other commercial vehicles

If your contractors insurance misses any one aspect of this protection, your job and your company will be at risk.

Do you need construction insurance?

Any person or business working in the construction traders: building construction, heavy construction, or home improvement should have a construction insurance policy. We offer coverage for every trade, including:

• Contractors Insurance
• Carpenter Insurance
• Plumber Insurance
• Handyman Insurance
• Electrician Insurance
• Masonry Insurance
• Renovation Insurance
• Artisan Insurance

You may think you want the cheapest insurance you can find, but cheap isn’t everything.

While most insurance products are similar in price and function, insurance providers can vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact Putnam Record Agency today, and we’ll help you protect what matters most.