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Professional Insurance Associates specializes in providing contractors general liability insurance and other coverages vital to contractors including builders risk insurance, commercial auto coverage, and insurance for tools and equipment.
Your business is your greatest asset, but did you also know that it can also be a serious liability which can cost you more than you own? It's important that you know what to look for to protect your business. Here are some insurance products you should consider
Contractor's General Liability Insurance
which is designed to protect you from most claims that arise from day-to-day operation of your business. This includes "slip, trip, or fall" type accidents on the premises, as well as accidents occurring as a result of day-to-day business activity.
Tools and Equipment
Hand tools are normally covered on a blanket basis with no list or schedule. No item can exceed $500 in value. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment. Request a Quote
Builders Risk - C.O.C (Course of Construction)
Physical damage insurance for property under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects as well and some policies can be endorsed to include the structure being remodeled also. Request a Quote
Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers' compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers' compensation insurance. For more information about W/C see Useful Information. Request a Quote.
Business Auto Insurance
Personal auto policies exclude autos used for Commercial and Business purposes and would therefor require coverage on a policy designed for such use. If you use your automobile in business be sure you have the right policy and coverage is not excluded. Request a Quote.
For Information regarding any of the insurance products above, click on the link or for a free no-obligation quote faxed or emailed back to you within 24 hrs.
Please Note: The information contained in this website is provided solely as a source of general information and resource. It is a not a statement of contract and coverage may not apply in all areas or circumstances. For a complete description of coverages, always read the insurance policy, including all endorsements.