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Contractors Insurance in Blairsville, GA

Contractors insurance is a specialized insurance coverage designed specifically for contractors and construction professionals. It can help protect against various risks and liabilities inherent in these occupations. Contractors policies typically consist of multiple types of coverage, offering a comprehensive solution for the unique risks faced by contractors.

What Does Contractors Insurance Cover?

The following are some common types of coverage included in contractors policies:man in red jacket and black pants walking

  • Contractor liability insurance may help protect contractors against third-party claims of bodily injury, property damage or personal injury caused during the contractor’s work or operations. It may help cover legal fees, third-party medical expenses, settlements or judgments resulting from such claims.
  • Workers’ compensation insurance may provide benefits to employees who suffer work-related injuries or illnesses. It may cover medical expenses, lost wages, disability benefits and rehabilitation costs. Workers’ compensation insurance may also protect employers from lawsuits filed by injured employees.
  • Property insurance may protect contractors’ physical structures (e.g., buildings and garages) against fire, theft, vandalism or severe weather. It may help cover the cost of repairs or replacement.
  • Contractors equipment floater insurance may cover tools and moveable equipment from damage, theft or loss.
  • Builders risk policy may provide protection for construction projects in progress. It may cover damage to the structure, materials and equipment caused by risks such as fire, vandalism, theft or severe weather.
  • Professional liability insurance may help protect contractors who provide professional services or advice. It may cover claims of negligence, errors or omissions in the design, project management or consulting services provided.

Who Needs Contractors Insurance?

The following are some examples of individuals and businesses that typically require insurance:

  • General contractors
  • Subcontractors
  • Specialty contractors
  • Construction managers
  • Design professionals (e.g., architects and engineers)
  • Independent contractors
  • Residential and commercial builders
  • Artisan contractors

Why Is Contractors Insurance Important?

Having adequate insurance coverage can mitigate the numerous risks associated with being a contractor. Contact Esquire Insurance Services of Georgia to discuss coverage recommendations for your operations.

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