Contractors Insurance Quote Forms
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Contractors Insurance Information
Contractors Insurance in Baltimore, MD and Towson, MD
Contractors from all industries face several hazards. Securing the right contractors insurance can provide coverage for your business against various causes of loss and can be an integral part of your risk management strategy. Contact the professionals at Stastny Insurance Agency to get the insurance solutions you need. Our team is ready to serve you.
What’s Covered Under Contractors Insurance?
Contractors insurance isn’t one standard policy. It refers to the various policies you may carry as part of your business’s comprehensive insurance plan. Several types of coverage are available, and plans may be customized for your needs. Some coverage options include:
Property insurance—If covered events such as fires, burst pipes or vandalism damage your company’s physical assets, property insurance coverage may provide compensation for those losses. Additional property coverage may be available to protect your specialized equipment.
Builders risk insurance—This may provide protection if your building materials and supplies are damaged during a construction project by a covered cause of loss.
Commercial auto insurance—This may help cover medical expenses, legal fees and property damage if your business’s vehicles are involved in an accident. Commercial auto insurance policies are separate from your personal auto insurance.
Business interruption insurance—If a covered event temporarily halts your business’s operations, this coverage may help pay for ongoing overhead expenses until normal business activities can begin again.
Inland marine insurance—This may provide coverage while your business’s equipment and tools are being transported.
Professional liability insurance—This may provide coverage if a client alleges you made an error or an omission while performing with your professional services.
Workers’ compensation—If one of your employees sustains a work-related injury or illness, workers’ compensation may help pay medical expenses and supplement lost wages.
Pollution liability insurance—This may provide coverage for claims that your business’s operations released pollutants that injured others or damaged their property.
Umbrella insurance—If your business is responsible for a claim that exceeds your other coverage’s liability limits, umbrella insurance may help fill in the gap.
Your agent can provide additional details regarding options, policy limits and exclusions. Endorsements and other supplementary coverages may be available as well.
How Much Is Contractors Insurance?
Numerous factors impact the cost of contractors insurance. Variables such as the size, location and industry of your business can affect the price as well as the selected coverages and limits. The team at Stastny Insurance Agency are here to help you secure the insurance you need at the best value. Contact us today to get started.