protecting contractors

As a contractor, you are in a unique position; every job you win adds money to your bottom line — but it also carries added risk. An accident could cause injuries to you or your crew, or damage to property that leads to a monetary loss that can saddle your business with financial liabilities.

And the same contractor’s insurance you used to protect you for a one-man project may not protect you during a multi-year commercial deal.

Contractor looking at clipboard

Unique Plans for Every Contracting Business

Because every contracting business is unique, commercial insurance solutions for contractors can range from a basic policy to a thorough mix of coverages that vary job to job. Further, the type of contracting business you own, its size, the number of employees you have, and the nature of your work all have an impact on the types of protection you may need.

At Graham, we understand the fact that you need to stay focused on the work, not the risks you face every day. So we work with the best carriers of commercial insurance solutions to meet the needs of your business, and put your mind at ease.

Who Needs Construction Insurance?

Any person or business working in construction trades: building construction, heavy construction or home improvement. We offer coverage for every trade, including:

Contractor’s Insurance

Carpenter Insurance

Plumber Insurance

Handyman Insurance

Electrician Insurance

Masonry Insurance

Developer Insurance

Home Builder Insurance

Renovation Insurance

Welding Insurance

Artisan Insurance

And more…

Insurance keeps working, even after the job is done.

Even when the job is finished, there are liability concerns. The physical work on site may be finished, but the potential liability from your work goes on.

Our insurance keeps protecting you from any accidents or faults that may allegedly result from work you’ve overseen or performed. In the trades, you need a solid contractor’s insurance policy that keeps working to protect you long after you have moved to the next job site.

What does contractors insurance cover?

The list of coverage areas that need to be addressed in your contractors insurance include:

  • Property in transit covering equipment, and losses to goods stored (on or off your premises), or being transported to or from your premises.
  • Workers Compensation can replace lost wages, pay for medical treatment, as well as protecting your business assets should an employee suffer injury.
  • Trucks and other commercial vehicles to pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.
  • Errors and omissions covering any claims for negligence or other mistakes resulting in a loss to the customer during business activities.
  • And many more

The list of coverage areas that need to be addressed in your contractors insurance include:

plans for any situations

Many contractors, particularly smaller, independent jobbers, fear that they cannot afford insurance. But, the fact is, you can’t afford not to have coverage. Understandably, price is always a concern. However, with a custom contractor’s insurance policy from Graham, you are in control of what types and amounts of coverage you want to pay for, and when. So it can be surprisingly affordable.

Talking to a local resource you can trust is the first priority.

The Graham Insurance Difference

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at Graham help you forge the strongest shield possible to help you protect the things you are working hard to build.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.