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Desmond Insurance Blog

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5 Commercial Insurance Options For Contractors And Trades

3/7/2022

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​Contractors can get very occupied during the beginning of their projects. Preparing ahead of time is a must so everything can be done seamlessly if something goes wrong. Here are 5 commercial insurance trends to get away from the problems that may keep you from success as a contractor or trader.
1. Worker’s Compensation
This insurance covers workers’ monetary benefits when they get injured onsite during their employment. It also covers compensation for sustained disabilities in the course of their employment. Thus, medical and rehabilitation costs, as well as lost wages, are included.

2. Named Insured

Named insured are the business entities or persons owning a specific insurance policy, which means they pay for it, finalize the coverage, and decide when to alter or revoke it. There are other cases where there may be multiple named insured on the policy. A group may want to include both of their names so they can modify them.

3. General Liability
This type of comprehensive insurance can cover cases or injuries and damages brought by business operations and merchandise onsite. “Additional insured” are the organizations and persons that a company can include for them to set a deal with. Two types of policies in this insurance:
  • Claims-made policy - this covers events wherever the claim took place.
  • Occurrence policy - this determines the place when the event happened.

4. Certificates of Insurance

Brokers and several insurance companies usually give this insurance. It ensures that the insurance policy is existent and gives a brief statement of the main condition and aspects of the said policy. The standard certificate of insurance has a list of the holder’s names, operative date, coverage types, and all essential particulars of the policy.

5. Builder’s Risk
This insurance covers the protection of properties, such as buildings, under construction. It also aids in covering supplemental expenditures not solely related to the construction if damages or delays occur on the buildings, such as rental, taxes, and extended loans.

Commercial Insurance for Contractors and Trades Is a Need

At Desmond Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (859) 491-5100. You can also request a free quote by CLICKING HERE. Coverage discussed in this article is not guaranteed. Please chat with one of our agents to understand your coverage and make sure your needs are met. We are happy to help!
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