Contractors Insurance in Lancaster, CA
Contractors insurance is typically composed of a package of policies designed to address the specific risks faced by those in the construction industry. It can help financially safeguard contractors, property owners and other stakeholders from the financial risks that come with projects, including accidents, equipment damage and worker injuries.
Who Needs Contractors Insurance? 
Contractors, subcontractors and independent tradespeople may benefit from coverage, including the following businesses and professionals:
- General contractors
- Electricians
- Plumbers
- Carpenters
- Landscapers
- Painters
What Are Essential Coverage Options for Contractors?
Contractors insurance often includes a variety of policies, including the following:
- General liability insurance may cover third-party claims of bodily injury, property damage or personal and advertising injury. This may also pay your legal costs, judgments and settlements for related claims.
- Workers’ compensation insurance may provide wage and medical benefits if an employee falls ill or becomes injured because of their work.
- Commercial auto insurance may pay to repair or replace business vehicles after accidents, theft or damage from covered events. It can also assist if you’re liable for accidents affecting other parties.
- Commercial property insurance may cover your company’s buildings, tools, equipment, inventory and other physical assets.
- Tools and equipment coverage may pay to repair or replace your valuable tools and machinery in case of theft, loss or damage.
- Contract bonds can provide assurance to clients that the project will be completed as stipulated in the contract.
- Errors and omissions insurance may cover legal expenses if a client claims your work was negligent or did not meet expectations.
- Business interruption insurance may help replace lost income if your business temporarily halts operations after a covered event.
- Builders risk insurance can financially protect buildings being worked on, as well as temporary structures, materials, equipment and important documents stored on a job site.
Why Work With Huddleston Insurance Services?
Our agents have local expertise and understand California’s contractor insurance requirements. Contact us today to discuss your options and get a personalized quote.