Contractors Insurance NC
Contractors Insurance NC
Are you aware of all of the intricacies when it comes to contractors insurance in North Carolina?
If you are a major contractor who hires many staffers and coordinating large construction projects, your insurance requirements will be different to those of an individual contractor. An HVAC or Plumbing contractor probably has some diferent needs. One may do service as well as construction, and spend more time on the road visting more locations. The one thing that remains a constant, no matter what size your business, is that you need contractor's insurance. The right policy, that takes into consideration those little differeces that can make life a bit easier if an accident should occur.
What is contractors insurance? A contractors insurance could be a BOP, or business owners policy. It may include many different types of insurance - life insurance, health insurance, workers' compensation, vehicle or fleet insurance, tools insurance, and liability insurance to name just a few of the essential policies that a typical contractor needs. You may need some or all of these and you may even need other covers. For example, there are so many types of tools you mau need to do a job, but you can't purchase every one. It's too expensive, so I'm sure you rent the one's you may only use on occassion. What happens if you break the tool? Or it's stolen or even lost? Do you have coverage? The same goes from your own tools. Not something most contractors consider, but tools are expensive. You sure can't do the job without them. For a small contractor you may even utilize temporary coverage to provide protection for individual projects. There are a whole host of situations and specific needs to take into consideration. Being properly insured, can mean making sure you stay in business.
Whatever your risks, we will work to combine your policies to gain a discount, and save you money. Many carriers offer such discounts, as well as discounts for having a safety plan and training in place. Brooks Barbee Agency is an independent agency in North Carolina, and our job is to find you the best possible coverage for the best possible price. Our priority is you, our customer, and we aim to make your business our long-term commitment. We have made it the focus of our agency, small business owners, and have made sure we have the right carriers to serve your needs.
If you already have contractors insurance, we will do our best to better it. If you don't yet have contractors insurance, give us a call and we will discuss your insurance requirements and guide you in your decisions. Don't risk having inadequate or no insurance coverage your future depends on it. Call Brooks Barbee Agency today to discuss the options for your contractor's insurance in NC.
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