Contractors Insurance in Worth, IL
Working in the trades means taking on physical risk every day, and a loss can be severe enough to shut down a business. The financial exposure of operating without adequate coverage can show up in legal fees, medical bills, settlement demands and lost client contracts.
What Policies Should I Have?
Our agents may recommend the following policies:
General liability insurance can cover third-party bodily injury and property damage claims arising from your work.- Workers’ compensation insurance can help pay for employees’ medical expenses if they are injured or fall ill due to an on-the-job incident.
- Commercial auto insurance can cover vehicles used for work purposes in case of accidents, third-party damage, fires, natural disasters, theft or vandalism.
- Builders risk insurance can financially protect structures and materials under construction from fire, theft or certain weather damage.
- Inland marine insurance can cover tools and equipment in transit or on job sites.
- Commercial umbrella insurance can extend coverage beyond your underlying liability policies once their limits have been exhausted.
Why Is Insurance Important?
Clients may require you to secure certain policies before awarding contracts or work begins. Some states may also mandate policies such as commercial auto and workers’ compensation. Beyond meeting those requirements, the right policies can financially protect your income stream, employees and business assets if something goes wrong on a job.
How Harlem Insurance Agency Can Help
We work with multiple insurance carriers to match your coverage to your operation’s scope, size and trade. We review your existing policies, identify gaps and help you build coverage that reflects the work you do.
Contact Harlem Insurance Agency today to request a personalized quote.