Professional liability insurance may help protect you if a client alleges that your work or advice caused them financial loss.  

General liability insurance may help protect you from third-party claims of property damage, bodily injury and personal injury. It is designed to provide financial protection against the legal costs, medical expenses, and damages that may arise if someone sues you or your business. 

Workers’ compensation insurance may be necessary if you have employees. This insurance provides valuable coverage for medical expenses and lost wages in the event that employees sustain injuries during the course of their regular work duties. 

Contractors equipment insurance may help financially protect contractor-owned equipment and machinery from damage, theft or loss, both on and off the construction site. It can cover tools, heavy machinery, certain vehicles and other equipment. 

Commercial property insurance may help financially protect a contractor’s physical structures (e.g., buildings and garages) against covered risks (e.g., fires, theft, vandalism or severe weather). In particular, it might cover repairing or replacing damaged property. 

Builders risk insurance may help provide financial protection for a construction project in progress. It might pay for covered damage to the structure, materials and equipment. 

Commercial auto insurance may help cover vehicles used for business-related activities. A personal auto insurance policy generally does not provide adequate coverage if you use a vehicle for business purposes.  

Umbrella Insurance helps provide additional liability coverage above the limits of your other insurance policies, protecting you from catastrophic events that could exceed your primary policy limits.