General Contractor Insurance in Indiana

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Do general contractors need insurance in Indiana?

One of the largest employment sectors in The Hoosier State is construction. There are over 50,000 sole proprietors working in construction, and many are also registered as general contractors.

Construction sites can be dangerous to be. A simple accident could create an expensive liability issue for your small companies, regardless of regardless of whether you are working on residential or commercial projects. Insurance for contractors protects Indiana businesses from costly delays, accidents and other common issues.

Contractor insurance is the shorthand name for different types of insurances that contractors might consider, such as:

  • General Liability
  • Business Owners Policy
  • Workers’ Compensation

Find out more about the contractor insurance available in Indiana and how BizInsure can assist you to determine the right coverage for your business requirements.

Who may need contractor insurance?

Many contractors purchase insurance to protect both their business and finances. The protection offered by General Liability and other types of insurance can create a critical security cover for your business and you.

Certain clients may require certain kinds of insurance (this is often stated in contracts).

For more information about insurance quotes and alternatives, select your occupation.

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BizInsure’s knowledgeable and licensed agents are able to help you find the policies that are right for you.

What are the most common insurance policies for contractors in Indiana?

Indiana tradespeople are usually looking for different kinds of insurance for contractors. These policies might aid in reducing the typical risks that general contractors face.

General Liability Insurance

Any accident can occur on a building site. If someone is injured by your innocent actions, such as placing a toolbox in an unsuitable place, it could result in an enormous headache for you and your business.

General Liability policy can protect you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

Commercial General Liability (CGL) and “slip and fall” coverage are also common names for this type of insurance.

Business Owner’s Policy

There are times when things don’t go according to plan when working in the construction industry. Incomplete projects, damaged tools, or other issues can make it difficult to finish your job in the time you promised.

A Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service. A BOP can provide specific coverage options that are tailored to your company’s needs. It can be an easy and cost-effective way to protect your business from the most frequent risks contractors face.

Workers’ Compensation Insurance

It is your duty to ensure that your employees are well-being and content working on them to run your business.

Workers’ Compensation insurance protects both your employees and your business. If your employees get injured at work or are ill, this type of insurance will pay for the medical expenses. The insurance will pay for their medical bills and some lost earnings, in the event that they are not able to resume work due to an injury.

In Indiana, the law requires most businesses to have Workers’ Compensation insurance.

What does Indiana contractor’s insurance cover?

Contractors’ Insurance will safeguard your business from different risks. Based on the type of insurance you select, your business may be protected against:

  • Third-party and property damage injury claims (General Liability)
  • Unexpected interruptions to business (Business Owner’s Policy)
  • Equipment breakdown (Business Owner’s Policy)
  • Workplace injuries and illnesses suffered by your employees (Workers’ Compensation)

How much does contractors insurance in Indiana?

You may not be aware of how much Indiana contractor insurance is when you’re just beginning your journey.

Insurance companies take into account many aspects when determining the cost for every business. Costs to your business can vary depending on factors like:

  • The type of insurance you want
  • Your business size (annual revenues).
  • What is the maximum number of people that the policy able to be able to cover?
  • Your claims are based on your past
  • Which coverage should you choose?

How to get business insurance for general contractors in Indiana?

BizInsure is an easy way to find insurance to safeguard your business.

You can easily compare different estimates in just 10 minutes. Then, choose the one that is most suitable for your needs and budget. Policy documents are sent straight to your mailbox.

Need some assistance? Our licensed agents are here to assist at any point in the process!

Compare quotes now to find A-rated insurance options for your Indiana general contractor company.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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