Restoring faith in the risks you take.
Restoration contractor insurance provided by Insurance Incorporated.
Restoration contractors in California engage in a wide variety of operations that may include carpet cleaning or major construction work such as rebuilding a structure. It’s important you have a policy tailored to your operations.
Coverage for every type of contractor.
A specialty contractor insurance policy is an easy way to cover multiple risks without having to settle for a one-size-fits-all policy that wastes money on coverage you don’t need. There are a variety of options available depending on what type of contracting work your business does.
The benefits of general liability for contractors.
General liability insurance can provide coverage if your company or employees cause bodily injury or property damage to someone else. The standard limit on a restoration company liability policy is $1,000,000 per occurrence and $2,000,000 aggregate. Most carriers provide the option to increase limits based on company exposure.
Protection for the equipment you use.
Many restoration companies use a variation of trucks, vans, and sedans to service their clients. It is important to have commercial auto insurance in force to provide coverage to the company during an accident. A personal auto insurance policy will not provide coverage for business use. The industry standard limits for auto liability coverage starts at $1,000,000 in combined single limits.
Coverage for your employees.
In some states, the law requires an active workers’ compensation insurance policy for business owners with one or more employees. Workers’ compensation insurance can provide coverage for medical bills, lost wages, and rehabilitation services. Failing to carry workers’ compensation insurance when required can result in a criminal offense punishable by imprisonment or a fine no less than $10,000.
Additional coverage contractors should consider.
You take on many risks when restoring the faith in your clients. Some additional insurance policies may also include the following solutions:
- Business Personal Property
- Bailees Coverage
- Inland Marine
- Equipment Breakdown
- Professional Liability
- Building Coverage
- Cyber Liability
- Pollution Clean-Up
Don’t chance your business to financial loss any longer. Contact our agency to learn more about how to protect your restoration business.
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