If you are a contractor, then you should know that you are 100% liable for anything that happens in the place where you are doing contract work. So if, say, one of your workers gets hurt or causes injury to the client or anyone in the work site, the injured party can file a personal injury claim against you. The same thing goes for any property damage your worker might cause, accidentally or intentionally. To say that those claims would be costly would be an understatement. For some contractors, paying for those claims would mean the end of their contracting business.
Things don’t have to be that way though. As long as you comply with insurance requirements for construction contractors in Florida, you and your business will be protected from any such claims.
There is no way you can operate as a contractor in Florida if you don’t have contractors insurance. That’s because Florida contractors insurance requirements are quite clear: If you don’t carry a minimum general liability insurance of $300,000 for bodily injury and $50,000 for property damage, you won’t be able to receive your general contractors license in the state. So when it comes to contractors insurance in Florida, you don’t have a choice. You have to be covered, or you can’t do business.
Then again, you should have no issues getting contractors insurance because it will ultimately benefit you.
For one, your business will be protected from any and all claims. If you carry a policy from one of the top contractors insurance companies in Florida, then you won’t have to resort to paying personal injury or property damage claims from your own pocket.
Another reason why having contractors insurance works to your advantage is that it boosts your legitimacy as a contractor in the eyes of clients and potential clients. Most residential clients these days are smart enough to know that contractors insurance are primarily designed to protect their interests, and will therefore hire only those who have Florida home builders insurance policies. The same can be said of clients who want work done on their commercial buildings. Most importantly, you can never argue with the peace of mind that contractors insurance can bring.
If there’s one thing you need to know about Affordable Contractor Insurance, it’s that we live up to our name. Our contractor insurance policies are not only reasonably-priced, but they have wide coverage as well.
We also have a more intimate understanding of your contractors insurance needs because that is all we focus on: providing insurance coverage solely for contractors. So whatever your requirement in that area, you can be sure that we can fulfill them in any customized contractors insurance policy that we draw up for you. Of course, you have to inform us about your gross sales, your payroll and sub-contractor costs because we have to factor those details in into the policy that we will offer you.
Would you like to know more about what we can do for you? Then call us at Affordable Contractors Insurance. A live agent will speak to you and will tell you what you need to know about our contractors insurance offers. You will also have in your hands a competitive quote just minutes after talking to our agent.
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