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Contractor Insurance – Construction Insurance

Contractor Insurance
Construction Insurance – Trade & Specialty Contractors
By: Allen Financial Insurance Group

Contractors need more than a hard hat for protection.
Our Contractor Pac policy provides general liability coverage for 77 trade contractor classifications. We will pay for damages legally owed to others for bodily injury, property damage, personal and advertising injury resulting from your contracting business operations.

As an independent contractor, you may be wondering what kind of insurance you need to protect yourself financially. The answer will depend on the type of work you do – for example, whether you work at a desk performing data entry or digital marketing services, you work on other people’s property providing home maintenance, or you offer construction services.

General contractors, specialized contractors, homebuilders, remodelers, and even carpenters need to minimize exposure to risk with construction insurance customized to the hazards of the profession. The right blend of coverage can help you limit your financial risks due to jobsite injuries, equipment damage or vehicle accidents may occur during the course of your construction project.

Contractor - Construction - Contractor Insurance - Construction Insurance

Contractor - Construction - Contractor Insurance - Construction Insurance
Contractors Insurance – Who Needs it?

There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

  • Independent construction contractors
  • Plumbers, carpenters, electricians and painters
  • Repair people
  • House and carpet cleaners
  • Freelance writers, editors and graphic designers
  • Independent hair stylists, and salon professionals
  • Horse or dog trainers
  • HVAC Technicians
Program Eligibility
bullet Small residential & light commercial building contractors
bullet New ventures are acceptable
bullet Gross receipts less than $1,500,000
bullet Contractors with 10 employee or less
bullet 75% of the total payroll must be in one or more of the primary Trade classifications.
bullet General Contractor Subcontracted Work is limited to 35% of the total annual receipts
bullet Contractor must place bond with insurance company
bullet All subcontractors must have General Liability coverage with limits of at least $300,000/$600,000


Contractors Personal Property
bullet Business Personal Property (BPP)
bullet Contractors Installation
bullet Contractors Tools and Equipment
bullet Blanket Basis (unscheduled)
bullet Scheduled Basis
bullet Non-Owned Tools and Equipment
bullet Employee Tools
bullet Rental Cost Reimbursement
bullet Computer Coverage
Key Coverage Automatically Included:
bullet Contractors License Bond
bullet Commercial General Liability
Optional Contractor Coverage

bulletNon-Owned and Hired Auto
bulletInland Marine
bulletEmployee Benefits Liability
bulletCommercial Auto

Inelgible Risks

 Work on Tracts ( New Construction involving 5 or more houses at one location)
 Contractors with unacceptable credit
 Contractors with more than one loss and/ or claim exceeding $5,000 in the last 3 years.
 Contractors with gross receipts over $1,500,000

Real Property (Building)

bulletBuilding coverage for Shop/Storage and office. This coverage does not apply to personal dwelling.
bulletISO Property Coverage Form

Contractor Insurance

Contractor - Construction - Contractor Insurance - Construction Insurance

Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more Construction Insurance & Contractor Insurance information.

Contractor - Construction - Contractor Insurance - Construction Insurance

Contractor - Construction - Contractor Insurance - Construction Insurance