General Contractor Insurance in California
With hazards like heavy equipment, loud noises, and uneven surfaces, a construction site can be a dangerous place. As a general contractor, you need to your business against all possible risks with the right insurance. General contractor insurance can protect you against a wide range of construction site liabilities, and against business-ending claims if someone if injured or harmed. General contractor insurance can protect you against risks such as:
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
- Commercial auto collisions
- Vandalism and theft
- Accusations of negligence
- Failure to complete a project
- Failure to use correct materials
- Floor installation
- Pressure washing
- Heating and air installation
General Liability Insurance: General liability insurance will protect you from bodily injury and property damage coverage. This is the most common type of contractor coverage.
Commercial Auto Insurance: This is coverage for your vehicle. If you’re using your pickup truck for work-related purposes, you need to have a special policy for commercial use.
Commercial property insurance: Commercial property insurance protects commercial property from perils such as fire, theft and natural disaster.
Workers’ Compensation: This coverage is regulated by the state. If you run a business by yourself, you don’t necessarily need workers’ comp insurance. The coverage protects your workers from work-related injuries until they can get back to work.
Summary: As one of the nation’s leading insurance agencies, Modern Insurance Partners offers robust, unique general contractor insurance to meet your needs, and we’ll protect your business so you don’t have to.