contractors insurance Archives - Contractors Insurance Agency

June is National Safety Month

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While we know you are always looking to be safe in your business, since it is National Safety Month, we wanted to share some ideas for ways you can stay safe at home, work and in your community.

These are simple ways you can help a lot of people, not just your own family.

  • Report repairs as they are needed – if you see something at work, on a job site, at home or in the community that needs some attention, if you can’t fix it yourself be sure to report it to the appropriate person that can take care of it efficiently and correctly.
  • Hold drills at home to help children know what to do in the event of a fire, tornado, medical emergency, or other natural disasters.
  • Volunteer to help in the community when they need support in keeping the area safe.
  • Put together a first aid kit – You will want a few of these. You should have one at home, at work and in your car.
  • Take a CPR class – According to the American Red Cross, more than 1,600 people suffer from cardiac arrest each day in the U.S. Knowing CPR and how to use an AED could save someone’s life. Other people knowing these skills could someday save your own life. You can sign up for classes through the Red Cross.
  • Teach someone to change a tire properly and safely – this is important especially for new drivers.
  • Know how to properly store and dispose of medications.
  • Take a defensive driving course – this could get you a lower rate on your auto insurance also at times.
  • Learn how to identify hazards in a home so you can fix them or secure them and avoid any incidents.

These are some great ways you can stay safe in all different places you are at and keep others safe as well.

If you need any help with your Contractors Insurance needs, please don’t hesitate to contact us. We are here to keep you safe and protected.


Take Time Off in Your Business for The Holidays

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As a contractor, you probably have more work than you can keep up with lately!  Everyone seems to be doing new projects and your calendar is booked for months to come.

It is important though to not burn yourself out by taking on too much or working with no breaks.  It is the holiday season and a perfect time to take a few extra days off in your business.

You don’t need to be concerned that you will lose sales or disappoint clients if you take some time off.  Most people understand that this is the time of year that people are away visiting family or spending time with loved ones. They may even be doing that themselves!

Taking a break from your business provides perspective, clarity and renewal and gives you some much needed time to connect with your loved ones.  It also gives you time to reflect on what you have learned over the last year and put some new ideas in place for what you will be doing in the new year.

Some things to put in place before you take time off include:

  • Let your clients know so they have a timeline for their projects.
  • Set up an email reply so people know you are away and will respond when you are back.
  • Put a voicemail message on your phone so if you get any calls people know when to expect to hear from you or who they should call if they have an emergency.

Taking time off is good for both you and your business.  And if you have an insurance need, we will be here for you.  We will also be taking time to enjoy our families but like you, we will have everything in place, so you know just who to reach out to if our office is unavailable.  Happy Holidays!

Annual Coverage Review for Your Business

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You work hard each and every day to make sure your business is a success, and your customers are happy and want to refer you to others.

We know this because we are the same way!

You invest a lot of time and energy into your business and here at Contractors Insurance Agency we want to be sure you are protected from whatever may occur.

We can’t predict the future, so it is better to be overprepared than underprepared.

Does your company have insurance coverage that is up to date?  Do you even know what is in your policy?

It’s time to review it and make sure you are covered. We would be happy to review your existing policy and give you recommendations based on what you have shared with us. It may have everything you need, and you luck out.

If that isn’t the case, you can be grateful that you were able to update it before you had any major (or minor) issues that needed to make use of your coverage.

Insurance for your business is one of those things that you want to revisit often to make sure it is still up to date and valid.  Call us today and let’s make your coverage something that will protect you no matter what.




Why Your Contracting Business Needs Liability Insurance

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You have worked hard to build up your contractor business. You don’t want something that could have been avoided to be the downfall.  That is why you need liability insurance.

This insurance is referred to as commercial general liability insurance or contractor liability insurance. It is a policy that covers your business from the risk of personal injury claims, wrongful death, property damage, slip and fall on your business premises, and claims of infringement by other businesses.

The average price of a standard $1,000,000/$2,000,000 Liability Insurance policy for small contractors ranges from $37 to $60 per month.

Without liability coverage, your tools, bank accounts, vehicles, properties and more could be a part of a court battle in the case something happens.  You don’t want to become bankrupt or lose everything and have to start over when you could have easily put liability coverage in place.

Liability coverage is for the following:

Bodily injury claims – If someone visiting your site or working at it is injured, you can use the policy to cover their medical expenses, funeral expenses in the case of wrongful death, and compensation for pain inflicted and lost wages.

Completed products claims – You are protected against claims by clients who are injured by services and products that you already delivered.

Property damage claims – If someone claims that you damaged their property, they are eligible for compensation by your business if the court finds you responsible.

If we can help you put this valuable policy in place, or ensure you have the right coverage on your existing policy, please don’t hesitate to reach out.  Our Commercial Protection Leaders here at Contractors Insurance Agency are always here to help and keep you and your business protected.

Did You Know About These Two Commercial Auto Coverage Options?

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Your business has you on the road a lot going to sites, visiting clients, picking up supplies and more. We want to make sure you are protected as much as possible when you are on the road so we wanted to share with you two coverage options  that Hastings Mutual supplies for our commercial clients. 

Business Auto Emergency Roadside Assistance and Towing

Being on the road a lot means that things happen.  Maybe you get a blown tire, you run out of gas or your battery dies.  And sometimes you may encounter something more major and you just need a way to get that vehicle safely back to homebase. This emergency roadside coverage will be there for you. 

Features provided in this coverage include: 

  • Emergency Fluid Delivery
  • Tire Changes 
  • Towing for private passenger and light truck
  • Towing for larger truck types

Business Auto Protection Plus

Maybe you just want an added layer of protection from risk when you are on the road. The business auto protection plus coverage offers specialized coverages including: 

  • Fellow Employee
  • Glass Repair – Waiver of Deductive
  • Hired Auto Physical Damage
  • Loan/Lease Gap Coverage
  • Waiver of Subrogation

If you are interested in learning more about these offerings and seeing if they are a good fit for your business please reach out to Contractors Insurance Agency today and we can go over your options and get them in place if you choose to move forward. 

We look forward to speaking with you soon!

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