Contracting & Trade Services
An Insurance Solution Built From The Ground Up
You’re in a high-risk business — high-risk means you need comprehensive yet affordable insurance and risk management solutions to protect your business and its most valuable assets.
Our team understands that whether you’re involved in residential, commercial or municipal projects, you are in a tightly regulated, often dangerous industry that is complex and highly competitive.
With our comprehensive understanding of the needs exclusive to your industry, we will guide you in reducing your operational costs while creating an insurance solution designed to keep your business insured and profitable
Standard Coverage
Commercial General Liability - Protects your business from third-party property damage and bodily injury claims.
Commercial Property Insurance - Protect your property by ensuring that you are completely covered should a fire or other disaster threaten your business and vital equipment
Inland Marine/Scheduled Equipment - Do you have any mobile or movable equipment, like forklifts or other machinery? Ensure that all of your equipment is protected with the coverage it needs.
EPLI - Protects your business against wrongful termination, discrimination or sexual harassment suits from your current, prospective or former employees. This coverage applies to directors, officers and employees, and can sometimes extend to third party liabilities.
Excess/Umbrella - Provides additional coverage after an underlying liability policy has reached its limit. It covers any claims that would have been covered in the underlying policy.
Additional Coverage
Equipment Breakdown - Pays for direct damage to your machinery and equipment resulting from mechanical breakdown. Also covers loss of business income resulting from equipment damage.
Contractors Errors & Omissions - For trade contractors such as plumbers, electricians, HVAC contractors, painters, carpenters, and others, it protects the value of the work that you do if it is damaged due to unintentional faulty workmanship. Your commercial general liability policy will protect you from damages that your work causes to other property, but your company’s work is excluded from commercial general liability coverage.
Contractors Pollution - Provides third-party coverage for bodily injury, property damage, defense, cleanup, and related defense costs as a result of pollution conditions (sudden/accidental or gradual) arising from contracting operations performed by or on behalf of the contractor.
Hired Non/Owned Auto Liability - Covers liability expenses for accidents involving vehicles that your business uses for work purposes but doesn’t own. This includes vehicles that your business rents, as well as your employees’ personal vehicles that are used for work errands.
Related Industries
Retail
Restaurant & Food Service
Transportation