Pennsylvania Contractors Insurance
As a contractor you have unique insurance needs. At Joyce, Jackman & Bell Insurors we understand these needs. Our Contractors Insurance has been designed specifically for the following professions:
- Electrical Contractors
- Excavation Contractors
- General Contractors
- HVAC Contractors
- Landscape Contractors
- Plumbing Contractors
- And more!
Contractor Insurance Coverage Options
Joyce, Jackman & Bell Insurors will create a policy for you that protects you no matter the job; big or small, residential or commercial. What matters to us is keeping your business up and running. Which is why we offer a variety of coverage options to fit your needs.
In general, a typical Contractor Liability Insurance Policy will include the following protections:
Contractors General Liability
Accidents happen every day, whether it is in your shop or at the workplace. General Liability Insurance will protect you from potential lawsuits arising from these types of mishaps.
Not everyone is familiar with bonds, but in the world of contracting, it is very important for protecting your business. A surety bond is a promise on behalf of your business to pay the hiring party in the event of a default by your company. Ask your agent about which bond type you need: Bid Bond, Payment Bond, Performance Bond, Ancillary Bond.
Trucks and Other Commercial Vehicle Coverage
It's simple: You use vehicles, you need Commercial Auto Insurance. The Commercial Auto portion of your Contractors Insurance protects not just the fleet of trucks you and your employees drive everyday, but will also protect you from liability in the event one of your employees is involved in an auto accident while driving their own personal vehicle performing services for your business.
You might not think that your contractor business needs Workers Comp, but you'd be wrong. Not only is it necessary for protecting both your employees and your finances, it's the law. The state of Pennsylvania requires all business owners to provide Workers Compensation Insurance to all of their employees, even those who are seasonal or part time. And this is a good thing, otherwise you could be held personally responsible for footing the medical bills and recovery costs of an injured employee.
It is the nature of the contractor business that severe injuries sometimes happen. It is unfortunate, but it is a reality, and one as a business owner that you must face. The Disability Insurance we offer here at Joyce, Jackman & Bell Insurors ensure that your employees will be well taken care of in the event of a catastrophe. We offer paid sick leave, short-term disability benefits and long-term disability benefits.
Customize Your Contractor Insurance
Just like all insurance policies offered by our team of experts, you are welcome to customize your policy to fit the needs of your business. Talk to your agent about the following options we also offer:
- Contractors Equipment Coverage
- Property In-Transit Coverage
- Professional Liability
- Completed Operations
- And more!
Contact Joyce, Jackman & Bell Insurors for a Pennsylvania Contractor Liability Insurance Quote
You've built your business from the ground up, and you're probably not used to relying on others to accomplish your goals, but here at Joyce, Jackman & Bell Insurors we are a company that you can trust. We know you're busy, and sometimes you need help. One of our expert agents will always be available to assist you with your insurance needs.
Fill out our quote form on this page for a FREE Pennsylvania Contractor Insurance quote. We'll contact you shortly to begin discussing the appropriate protection options for your business! Remember, the right protection now saves you a lot down the line.