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Contractors Insurance

At Gleason Insurance Agency, we specialize in one thing:  business insurance.  For years, we have proudly served the business communities of Folsom, California and the surrounding area with some of the best business insurance available.  Contractors all risk insurance and construction business insurance are some of the many types of business insurance policies we offer our clients.

Gleason is an independent insurance brokerage, and that gives us the flexibility to help our clients choose the right insurance for their specific business needs.  If you are a construction company needing insurance for electrical contractors, a small operation looking for paving contractors insurance, or a large company with many assets that desires contractors’ equipment insurance, our knowledgeable and talented insurance agents can find you the perfect policies.  We don’t believe in one-size-fits-all policies and understand that personalized service is the way to do business with our many customers.

What is Contractors Insurance?

Contractors insurance policies are designed for building contractors, construction companies, and other construction professionals like electricians, plumbers, demolition crews, and paving contractors.   These occupations are known for their craftsmanship, but also the risks involved.  Contractors can be covered by a range of general liability insurance products that are designed to protect your company assets from lawsuits arising from property damage, workplace or installation injuries, injuries caused by projects your company handled, and non-physical damages.

Contracting businesses are fraught with risks – heavy machinery and materials, dangerous tools, and slip and fall risks abound.  It is important to take the steps in finding ample insurance coverage if you are in the construction or contracting fields. Protect your hard-earned assets with building contractor insurance.  For small companies, independent contractors insurance products are also available.

What Should I Look For in a Contractor Insurance Policy?

Some of the important details to consider when looking at contractor all risk insurance policies are:

Bodily injury claims – does the policy cover third-party injuries caused by workplace accidents or mishaps?  Lawsuits can arise from injuries incurred by visitors to your construction site or even your primary operating location.

Completed products claims – does the policy cover claims related to products you have installed as part of your contracting business?  For example, your company inadvertently installs garage doors that have unsafe supports.  If those garage doors fall from the ceiling and injure the homeowners or their guests, your company could be found liable.

Personal and advertising injury claims – does the policy protect your company against copyright infringement claims or copying advertising materials?  In today’s litigious society, competing contracting firms can launch unfounded claims of this nature, so a policy must cover against non-physical damages.

Medical expense claims – in the course of your business operations, injuries can occur when third parties visit jobsites or your business premises.  Good insurance policies help cover medical expenses incurred as a result of these injuries, even immediate expenses like ambulance rides.

Property damage claims – If someone accuses your contracting company of causing property damage or that your business operations prevent the use of property, expenses fighting those allegations can mount quickly.  Contractor insurance covers against claims of this nature.

Does My Company Need Contractors Insurance?

If you want to protect your assets from loss or lawsuits, then the answer to that question is YES.  Contracting companies face a lot of risks in their daily operations, so comprehensive insurance coverage makes a lot of sense.

In some areas, such insurance may be a requirement for holding a contractors or business license.  Gleason Insurance can help you determine what, if any, specific insurance requirements are in place and can offer a range of policies and products to protect your expensive business assets.

How Can I Find the Best Contractors Insurance?

As with any expense, smart business owners know that they have to research before spending money. It’s a good idea to look at how long an insurance company has been in business, how they are rated as an insurer, the costs of any policies they offer, and what other value they bring to the relationship.  Gleason Insurance is the Folsom area’s leading business insurance agency, and we believe in offering tremendous value to every one of our clients.  Our goal is to create lasting relationships, and we do that by tailoring policies to your business needs and being responsive to your questions and claims.

Since we specialize in business insurance policies for a range of business industries, we are familiar with the particular requirements and needs a company may have when seeking insurance.  With our expertise, you can rest assured that there will be no gaps in your coverage.

How Much Does Contractors Insurance Cost?

There are many variables that go into comprehensive contractor insurance coverages.  Because of this, there is no way to determine specific costs without a consultation.  Let Gleason Insurance help you find the right plans for your business needs.  Our personalized account managers are equipped to customize plans for specific businesses with the attention to detail, the care, and the professionalism you demand.  Protect your construction business assets today with Gleason Insurance in Folsom, California. 

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