Contractors Insurance

Contactors Insurance Is A Little Confusing

Naturally, if you have a vehicle you use for work, it would be wise to take out a comprehensive auto insurance policy.

Insurance for contractors can be a confusing area.

If you’re unsure as to whether you are considered a contractor or employee for workers’ compensation insurance, or uncertain as to the types of insurance coverage you need as a contractor, you need help.

Dave Walkenhorst Insurance Agency has a variety of insurance options for contractors and can explain everything you need to know about each in layman’s terms.

Get Answers To Questions Regarding Contactors Insurance

Our aim is to make sure you spend only what you need to.

Some exposures are easy to spot, however, others take time and attention to discover.

For example, how does one quantify the potential loss due to an accidental pollution spill, and how is that information properly related to the coverage provided by the insurance policy?

Do general contractors require specialized certificates of insurance, and does your policy adequately provide the necessary coverage to satisfy these contractual demands?

What are your bonding needs?

Are you properly protected from a claim arising from rented equipment?

These are just a few of the questions our insurance experts are trained to ask.

Dave Walkenhorst Insurance Agency’s experienced insurance agents can identify exactly what your needs and exposures are.

Learn More About The Protection This Offers

Through our contractors programs, we can provide coverage for liability in regards to professionals, employers, and public liability concerns.

Professional Indemnity

Professional indemnity can cover contractors against claims for negligence, unintentional breaches of intellectual property, loss of data, or documents and claims for dishonesty.

Employers Liability

Employers liability covers employees for any injury sustained at work. Normally, contractors must have this insurance by law, even if you are the sole “employee” of your limited company.

Public Liability

Public liability also is known as “general liability insurance” or “product liability insurance.” It covers your company against third-party claims. It will also cover you if you accidentally damage property at your client’s site.