Contractors Insurance in Macungie, PA
From job site hazards to third-party property damage, contractors face a wide range of risks during day-to-day operations. Whether you’re a general contractor or a specialty trade professional, having the right insurance coverage can help reduce the financial impact of accidents, delays or legal claims.
Contractors insurance typically combines several policies to address the exposures unique to construction and skilled trades work.
What Contractors Insurance Can Include
A contractors insurance package can include the following common coverage to help respond to accidents, claims or property-related losses:
- General liability insurance may help pay for third-party bodily injury, property damage or personal injury claims that occur as a result of your work.
- Commercial property insurance may help repair or replace your buildings, equipment and tools if damaged by covered perils like fire or theft.
- Inland marine insurance may assist with repair or replacement costs if tangible assets, such as machinery, tools or mobile equipment, are damaged or stolen while off-site.
- Workers’ compensation insurance may help cover medical bills and lost wages for employees injured on the job, and is often required by state law. It may also cover your business’s legal costs if sued by affected staff.
- Commercial auto insurance may help pay for injuries or damage resulting from accidents involving vehicles used for business purposes.
- Builders risk insurance can cover structures your business is working on, as well as temporary structures like scaffolding and fences.
- Professional liability insurance may help manage legal expenses and losses if a client accuses you of errors, negligence, missed deadlines or otherwise failing to provide satisfactory services.
Coverage can often be tailored to your trade, whether you’re an electrician, roofer, landscaper or remodeler, by adding endorsements.
Why Coverage Matters
Accidents on the job can lead to serious liability or project delays. Many clients also require proof of insurance before awarding contracts, especially for commercial or multi-party jobs. Without the right coverage, a single incident could create significant financial strain or prevent you from securing new work.
Start Building Your Coverage Plan
Valera Agency helps contractors in Macungie, PA understand their risks and build insurance solutions that align with their trade and project types. Contact us today to request a quote or speak with our team about coverage options for your business.