General contractors, specialty contractors and subcontractors are usually required by law or contract to have insurance. Each trade has different risks that need to be assessed when choosing the right coverage. Obtaining the necessary insurance specific to your clients’ needs can help protect their building materials and equipment on the job, in the shop and anywhere in between.
Home and commercial property remodeling in the U.S. generates $112 billion in revenue each year, showing an eight percent increase over the last five years. This increase illustrates a greater demand for skilled trade workers, which in turn gives rise to liability claims that can bring massive losses.
One contractor recently paid $4.25 million to settle a lawsuit after a home it renovated experienced a deadly house fire. The lawsuit argued that reckless construction turned the home into a fire trap. A myriad of mistakes and oversights can result in contractors being held liable for property damage and bodily injury.
Artisan Contractors policies can be tailored to protect skilled workers from general liability, inland marine and property exposures.
Companies today have started relying on the specialized expertise of environmental contractors and consultants to identify, remediate, confine or assess existing pollution conditions. Environmental Contractors and Consultants Coverage through Burns & Wilcox offers a unique combination of Commercial General Liability, Contractor’s Pollution Liability and Professional Liability policies in one flagship product. This multi-coverage policy is designed specifically for environmental contractors and consultants.
General contractors play an important and complex role in any construction project. Accidents, timelines, change orders and contract administration can result in costly disruptions to business operations or even legal claims. General Contractors Coverage is available for commercial contractors with protection against a range of potential common claims, including bodily injury, property damage or personal injury.
Coverage Details and Features
- Commercial General Liability
- Contractors Equipment
- Equipment Breakdown
- Cyber Liability or Data Breach
- Contractors Transportation
- Design Build
- Contractors Pollution Liability
- Hired and non-owned auto
- Employment Practices Liability Insurance
- Builder’s Risk or Course of Construction
(including but not limited to)
- General Contractors
- Artisan Contractors
- Alarm Installation Contractors
- Builder’s Risk
- Custom Home Builders
- Demolition Contractors
- Excavating Contractors
- Logging and Lumbering
- Owners and Contractors Protective (OCP)
- Parking Lot and Driveway Maintenance
- Pest Control
- Pressure Cleaning
- Snow Removal
- Specialty Contractors
- Swimming Pool Contractors
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