Contractors Insurance in Pennsylvania

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Why do general contractors need insurance in Pennsylvania?

One of the largest sectors in The Keystone State is construction. It is estimated that more than 95 000 sole entrepreneurs work in this industry, many of whom are general contractors.

Construction sites can be hazardous locations to work in. A simple incident could result in a large liability for your small business regardless of whether you’re working on residential or commercial construction projects. Contractor insurance is considered essential for many Pennsylvania businesses to protect their hard work from accidents delay, accidents and other issues that are common.

Contractor insurance is a variety of types coverage that a General Contractor may take into consideration.

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

Learn more about Pennsylvania contractor insurance and learn how you can find top-rated policies for your company with BizInsure.

Who may need contractor insurance?

A lot of companies have insurance policies that protect their businesses and personal finances. General Liability insurance and other kinds of insurance can offer a security net that is vital for your business.

Certain kinds of insurance might be required for certain customers (and this requirement is often written in business contracts).

Choose your occupation to learn more about the options for insurance available and begin a quote for a custom insurance quote.

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What are the common insurance policies for Pennsylvania contractors?

Pennsylvania tradespeople are usually looking for different kinds of insurance for contractors. These policies can help you manage the common risks faced by general contractors on the job.

General Liability Insurance

Construction sites are an area where anything could occur. An act that seems innocent, such as leaving your toolbox at the wrong location, could cause a major headache for your company if you injure someone.

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.

Pennsylvania General Liability insurance may also be called Commercial General Liability (CGL) or “slip and fall” coverage.

Business Owner’s Policy

There are times when things don’t go according as planned when working in the construction field. It is possible that you won’t be able to complete your work in time if there are interruptions in the work, or if tools break.

Business Owner’s Policy (BOP) is a convenient and affordable way for small business owners to protect against several of their most common exposures. These policies combine General Liability insurance with other types of coverage, such as business interruption and business property damage.

BOPs can be tailored to meet the requirements of your business. It can be a practical and cost-effective way to protect yourself from the many risks that general contractors face.

Workers’ Compensation Insurance

If you depend on employees to run your company, it’s your responsibility to ensure their health and wellbeing while they are at work.

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.

Pennsylvania requires most businesses that have at least one employee, regardless of part-time or full-time status, to obtain Workers’ Comp insurance.

What does Pennsylvania contractor insurance cover?

Contractor insurance can protect you and your business from a wide range of risk. Depending upon the types of coverage that you select, you may be shielded from the financial fallout of events like:

  • Claim for injury and property damage to third party (General Liability)
  • Unexpected business interruptions (Business Owner’s Policy)
  • Equipment breakdown (Business Owner’s Policy)
  • Employees are injured and ill-healthed at work (Workers’ Compensation)

How much does contractor insurance cost in PA?

The cost of business insurance differs because insurance companies consider a variety of aspects when determining the cost for each business. The cost of your business will depend on factors such as:

  • What kind of insurance do you need?
  • The size of your business (annual revenue).
  • What is the maximum number of people that the policy able to cover?
  • Your claim history
  • The coverage amount you choose

How BizInsure helps contractors thrive in PA

The protection of the contracting company you work for is simple with BizInsure.

In just 10 minutes, you can compare multiple quotes and choose the coverage that fits your needs and budget. You will receive your policy documents immediately via email.

Need assistance? Do you need help?

Compare quotes today to find coverage for your Pennsylvania general contractor business.

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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