Contractors are in high demand now more than ever. Now is not the best time to let your contractor insurance coverage fall through the cracks. The reason is simple: more work equals more risk. It means more job sites with more property to protect from loss or damage, more crew members and more use of hazardous tools and equipment, potentially leading to more mishaps. As a business owner, there are a number of individual policies your broker can bundle into an independent contractor insurance or general contractor insurance package to insulate you from any risk.
A key aspect of contractor insurance coverage is protecting the site where construction work is taking place. For this, there’s builder’s risk insurance—a unique type of property insurance that covers your job site along with all your valuable tools and equipment in the event of theft, vandalism, fire and other natural disasters. Contractor tool insurance will get you help recovering costs of replacing costly tools and equipment such as; hand tools, power tools and your gear from damage or loss.
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