General Contractor Insurance in Nebraska
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Why do general contractors need insurance in Nebraska?
Construction is among the largest sectors in The Cornhusker State. In the construction sector, there are over 16,223 employees.
Construction sites can be dangerous locations to work in. Small businesses could be facing a liability issue if you have a simple accident, whether it is on a residential or commercial project. Contractor insurance protects Nebraska companies from expensive delays, accidents and other issues that are common to small businesses.
Contractor insurance is shorthand for various types of coverage that general contractors might consider, such as:
- General Liability insurance
- Business Owner’s Policy
- Workers’ Compensation insurance
Learn more about Nebraska contractor insurance and how BizInsure can help you find the right coverage to suit your business.
Who may need contractor insurance in Nebraska?
Many contractors choose to purchase insurance coverage to safeguard their business and themselves. General Liability insurance and other insurance policies can be a vital security net for your company.
You may need to have certain types of coverage to be able to work with certain clients. This is typically included in contracts. Workers’ Compensation insurance in Nebraska is required for every business that has more than one employee.
Select your occupation below to learn more about your insurance options and start a customized quote insurance quote.
What are the common policies of insurance for contractors in Nebraska?
Nebraska contractors should consider a variety of types. These policies could help you manage common dangers that contractors face 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.
Rehabilitation or physical therapy is also covered to help back on the job.
Nebraska law requires that every business employing at least one worker to carry workers’ compensation coverage regardless of part-time or full-time workers.
What does contractor insurance cover in Nebraska?
Contractors insurance can cover your business from a variety of risks. Depending on the types of coverage you select, you may be protected for situations such as:
- Property damage and third-party injury claims
- Unexpected Business Interruptions (Business Owner’s Policy)
- Equipment breakdown
- Employees’ workplace illnesses and injuries
How much does contractors insurance cost in Nebraska?
If you are planning to launch a contracting company, you probably aren’t aware of how much the cost of insurance for contractors will be in Nebraska.
Insurance companies take into account many factors when determining the premium for every business. The price you pay for your business may depend on factors such as:
- The kind of insurance you’re looking for
- The amount of money you earn from your company (annual revenue)
- How many people can be covered under the policy?
- Your claim your history
- What coverage should you choose
How to get general contractor insurance in Nebraska?
BizInsure can help you protect your contractor company.
You can obtain multiple estimates in less than 10 minutes and select the most appropriate coverage that fits your budget and requirements. You’ll be covered immediately, with policy documents sent directly into your email.
Need some assistance? We’re always here to assist you!
Compare multiple quotes today to find the most suitable coverage for your Nebraska general contractor business.
Learn more about insurance for general contractors in the states where you work.
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