General Contractor Insurance in Maine

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Why do contractors need insurance in Maine?

The Pine Tree State’s largest industry is construction. It is estimated that over the 17,600 sole-proprietors work in this industry. Maine contractors are covered by insurance.

Construction sites are often dangerous locations to work in. An accident can lead to an expensive liability issue for your small businesses, whether you work on residential or commercial projects. Contractor insurance can protect your Maine business against mishaps and delays.

The term “contractor insurance” is a term used to refer to the various types of coverages that general contractors can choose, including:

  • General Liability insurance
  • Business Owner’s Policy
  • Workers’ Compensation insurance

BizInsure offers contractor insurance coverage in Maine.

Who needs contractors insurance in Maine?

Many contractors choose to purchase insurance coverage in order to protect themselves and their businesses. General Liability insurance and other insurance policies can be an essential security net for your company.

It is possible that you will require specific types of insurance to be able to be able to work with specific clients. This requirement is usually written into contracts. In Maine, Workers’ Compensation insurance is mandatory for most businesses with one or more employees.

Select your occupation from the following list to get more information about your options for insurance, and also to get a personalized insurance quote.

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What types of insurance do contractors need in Maine?

Maine tradespeople are aware of several kinds of contractor’s insurance. These policies could help you manage common dangers that contractors are exposed to when working.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Business Owner’s Policy

Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Maine law requires all employers to carry Workers’ Compensation insurance with limited exception. An independent contractor is required to carry workers’ compensation coverage for any employees hired by the independent contractor.

What does general contractors cover in Maine?

Contractors’ insurance will cover you for a variety of different risks. Based on the type of coverage you choose, you could be covered for such events as:

  • Claim for injury and property damage to third party
  • Unexpected interruptions to business
  • Equipment breakdown (Business Owner’s Policy)
  • Injuries and illnesses of employees at work

How much does contractor insurance cost in Maine?

If you’re starting a contracting business and are just beginning, you might not have an idea how much contractor insurance for contractors in Maine costs.

Business insurance prices vary because insurers take many aspects into account when they determine a business’ cost. The cost of your business may depend on such things as:

  • The type of insurance you’re looking for
  • The size of your company (annual revenue)
  • The total number of people who are covered under the insurance policy
  • Your claim your history
  • The amount of coverage you select

How to get general contractor insurance in Maine?

BizInsure provides a straightforward method to insure business that contracts.

In just 10 minutes you can compare quotes to discover coverage that fits your budget, needs and needs. All policy documents are sent straight to your mailbox.

Need help? Our licensed agents are happy to help at any stage along the way!

Compare multiple policies for Maine general contractors now to find the most affordable coverage.

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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