Get a Quote for Contractors Insurance in Florida
What is contractors insurance?
Working in construction or the trades comes with multiple risks. Contractors insurance can help contractors and trade professionals in Florida shield themselves from many fo the risks they face.
Contractors insurance offers specialized coverages for those in construction or the trades. These policies can come with a variety of property and liability coverages, offering robust protections.
Who in Florida needs a contractors policy?
Most Florida professionals working in construction or the skilled trades should consider a contractors policy. Flexible coverage options make these policies for a wide variety of contractors. For example, policies might be purchased by:
- General contractors and subcontractors
- Commercial construction and renovation businesses
- Homebuilders and residential remodelers
- Marine construction specialists
- Framers, finish carpenters, and roofers
- Electricians, plumbers, and HVAC technicians
- Commercial landscapers
- Others working in the trades
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Share your details with us, and we’ll craft a personalized quote tailored to your unique needs.
What contractor liability insurance coverages are important to have?
Contractor liability insurance normally protects against situations where a contractor could be sued for causing harm, whether injury or property damage. There are several contractor liability insurance protections that might be important to have:
- General Contractor Liability Insurance: Might cover common accidents resulting in injuries or property damage, typically including accidents at the contractor’s own site or on a job site.
- Commercial Auto Insurance: Might cover auto accidents involving work vehicles that a contractor has, such as trucks or vans. Could cover other causes of vehicle damage as well.
- Commercial Umbrella Insurance: Might cover lawsuits that surpass the coverage limits of another contractor liability insurance coverage.
What property coverages are important for contractors to have?
Property coverages can provide important protections for assets that a contractor owns. Which property coverages should be purchased depends on what a contractor has:
- Commercial Building Insurance: Usually for commercial buildings, such as an office, storage facility, or garage.
- Commercial Contents Insurance: Usually for items kept at a facility, such as equipment, tools, materials, and supplies.
- Builders Risk Insurance: Usually for equipment, tools, materials, and supplies when they’re at a job site. Could also cover work that’s being done at a site.
- Inland Marine Insurance: Usually for equipment, tools, materials, and supplies when they’re taken to/from job sites.
- Equipment Breakdown Insurance: Usually for essential equipment in case it breaks down, often paying for immediate repairs.
Where can contractors in Florida find contractors insurance?
If you work in construction or the trades, we can help you find the right insurance. Reach out to the knowledgeable agents at Riley Webb Insurance for a quote. We’ll shop your policy to make sure you get coverage that’s right for you. Together, we’ll make sure your Florida business is well protected.
