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Desmond Insurance Blog

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Why Do Contractors Need Insurance?

11/17/2020

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​Commercial Insurances are within the reach of contractors and construction businesses. With it, the contractor may protect his/her business as well as their employees. In this article are the key points on why you should get your company insured.
What Contractors Need to Protect
Some tools are expensive, but most of them are probably costly and it would be of significant cost for replacement or repair. Employees are also the backbone of the company. Not providing any protection would cost the company more in the long run.
  1. Property and Employees
    It is known that contractors and construction businesses are trusted by their clients. However, accidental damage to the property or injuries may occur. Having insurance will help the company recover from the costs that they are liable for.
  2. Tools and Equipment
    Contractors need a lot of tools to fully operate at their best. Insurances help in the replacement of tools, equipment, and supplies if these items are damaged or stolen. Having the contractor’s equipment insurance will protect the equipment if it needs any repair or replacement.
  3. Reputation
    It helps the contractor’s reputation if they have insurance. It makes the client feel more inclined to trust the company, enhance the reputation, and help it grow. As it grows, more people can see that the contractor is well-prepared for any accident if they do have insurance.

    Having insurance will also attract more talented employees with worrying that the company they work for won’t help them in case of emergencies. It will also help retain the good ones and give credibility to the company as well as peace of mind for the employees.

Types of Insurance Contractors Need
It is the contractor’s choice of what type of insurance they need for the company. Here is a list provided about what types of insurances are there that fits the coverage of a construction business:
  • Business Liability
  • Property Insurance
  • Equipment Breakdown Insurance
  • Commercial Auto Insurance
  • Cyber Event Expense Insurance
​
Conclusion
Contractors are exposed to unique risks while on the job. It is important that there are solutions to unforeseeable problems. Commercial insurances range from standard policies to a mix of coverages that fits your business.

At Desmond Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (859) 491-5100. Get your free quote today by CLICKING HERE.
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