Are you searching for Pearland TX General Liability Insurance for Contractors? If so, Texas Insurance Agency is the company for you! We take pride in providing our customers with the ultimate customer service. We have been in business for more than a decade. In that time, we have established a reputation for being one of the most trusted insurance brokers in the Greater Houston area. As a result, you can rely on our insurance agents to find the right policies to protect your business. Contact us today to learn more, and if you are interested, we can get you started with a free quote.
Pearland TX General Liability Insurance for Contractors
Contractors Insurance provides coverage that can help protect your business from financial debt due to work-related incidents. Depending on the type of policy you have, you will be protected against lawsuits, liabilities, and much more. Having Contractors’ Insurance can really be helpful when it comes down to losing or keeping your business. Therefore, it is crucial that you find the best policy for you.
This type of insurance is just one type of policy that contractors require. Additionally, it is a must for independent tradesmen and subcontractors as well. Contractors insurance not only protects you and your business but is also a requirement by many employers. Here are a few examples of the types of professions that need contractors insurance:
Because this type of policy can be difficult to understand, be sure to get in touch with one of our friendly Texas Insurance Agents to learn more!
Similar to any small business, independent contractors require an insurance policy for many reasons. Firstly, it keeps you from being responsible for any damages or accidents. Many customers may not choose to work with you if you do not have a viable insurance plan in place. This stems from the fear of having to be responsible if an accident were to occur. Lastly, a certain level of coverage is a requirement by law in many professions. Construction is just one of those professions.
Furthermore, being an independent contractor does not mean that you are exempt from liability. Therefore, without the right policy, you may find yourself paying out of pocket for claims made against you. Aside from that, you will also have to pay an excessive amount of legal fees. With that being said, if you choose General Liability coverage, you will not have to worry about such inconveniences.
What Does Contractors Insurance Cover?
For the most part, contractor insurance covers business liability exposures. Regardless of what industry you are in, accidents are bound to happen. That is why it is essential to have the policy that best suits you! With the right type of coverage, you and your company will not be held responsible for work-related incidents.
What’s more, with the right insurance coverage, your company will be protected from a majority of claims. This includes bodily injury and property damage. Both of which will protect your business against legal fees associated with any liability claims. However, if you’re looking for maximum coverage got your business, you may need to take out Commercial General Liability Insurance.
Bodily injury claims can be taken out against your business for a number of reasons and by a number of people, including customers. Similarly, property damage claims can be brought against your business by anybody whose property becomes damaged during your day-to-day operations.
Without this coverage in place, your business will be paying for these claims out of your own pocket. However, with the right coverage in place, your insurance plan will cover the cost of legal fees, damage repairs, medical bills, and more. It should be noted that property damage insurance only covers third-party properties. If you’re looking to insure your own business location, you need to look into Commercial Property Insurance. Get in touch with Texas Insurance Agency today to learn of the many benefits associated with Pearland TX General Liability Insurance for Contractors.
Other Insurance Policies to Consider
As a contracting business, you will most likely rely heavily on vehicles to transport your tools and equipment from job to job. With that in mind, Commercial Auto Insurance is highly beneficial. This insurance type is designed to protect your business vehicles. This can include an array of vehicles from trucks to vans to cars.
Although Commercial Auto Insurance will protect your vehicle in the event of a collision or damage, it should be noted that the tools, equipment, and anything else your vehicle is transporting will not be covered. However, if certain tools are attached to your vehicle, such as a ladder, this will be insured. If you’re looking to insure your equipment and other tools, you’ll need to take out Contractors Equipment Insurance.
However, if your tools and equipment are leased, you’ll need to rely on Leased Equipment Coverage. To learn more about protecting your trade tools, call Texas Insurance Agency today.
Call for a Free Insurance Quote!
Workers Compensation Insurance is another insurance type that can greatly benefit your business. Of course, the type of business you run will depend on whether you need this insurance coverage. Workers comp is for companies that house a team of employees. What’s more, many states require this insurance type regardless of which industry you work in.
Workers Compensation will benefit both employers and employees. It covers the cost of medical bills and lost wages in the event an employee suffers a workplace injury. Without this coverage, you’ll be paying for your employee’s medical fees from your own pocket. Not only that, but your employees will have the right to sue you and your company for negligence.
Don’t risk the business you worked so hard to build; call our agency today to find the right policies for your business. You won’t find an insurance broker that offers better Pearland TX General Liability Insurance for Contractors!
Pearland, TX Fun Facts
- Pearland is the second-fastest-growing city in Texas!
- The area was once home to various fruit trees.
- Hurricanes in 1900 and 1915 wiped away the many fruit trees in the area.
- The city spans three counties.
- For more information or fun facts, search Pearland, TX.