General Contractor Insurance in Vermont

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Why do general contractors need insurance in Vermont?

The Green Mountain State is home to a large construction industry with over 8,660 sole proprietors in the field. Many of them are general contractors registered with the state.

Construction sites can often be hazardous places to work. Small-sized businesses are susceptible to costly risks if they’re involved in business or residential projects. Insurance for contractors is essential for Vermont companies to safeguard their hard work from accidents delay, accidents and other issues that are common.

Contractor insurance is a variety of types of insurance that a General Contractor might consider.

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

Learn about contractor insurance in Vermont and how BizInsure can help you find coverage for your business requirements.

Who needs contractor insurance in Vermont?

A lot of companies have insurance policies in place to protect their businesses and personal financial assets. General Liability Insurance and other types of insurance provide you with an essential safety net to protect your business and yourself.

Some types of coverage might require working with certain clients (a condition that is usually written into business contracts).

Choose your occupation to find out 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 contractors in Vermont?

There are several types of contractor insurance that Vermont tradespeople typically consider. These policies will help you reduce the risks that contractors could face.

General Liability Insurance

A construction site is an area where anything can happen. If someone is injured by your innocent actions, such as leaving the toolbox in a dangerous location, it could be 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.

Vermont contractors can safeguard their bank accounts with General Liability coverage. The insurance covers your legal fees should someone alleges your actions injured or damaged them. This can be used to pay for repairs or replacing damaged property, and also to pay medical expenses.

Business Owner’s Policy

Construction industry workers know that things do not always work out as planned. It is possible that you won’t be able to complete your project in time if there are interruptions to your work or if tools break.

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.

BOPs can be customized to meet the requirements of your business. This is a cost-effective and efficient way to shield yourself from many of the risks that are common to general contractors.

Workers’ Compensation Insurance

If your business relies on its employees, you must ensure their health and safety while at work.

Workers’ Compensation insurance provides protection for employers if an employee suffers a work-related illness or injury. The insurance pays for the medical bills of employees that get injured or sick while on the job. Policies may also pay for lost wages in the event that an employee is not able to work as a result of an injury. It could also pay for rehabilitation or physical therapy to help the employee return to the workplace.

To meet state requirements, most business owners having one or more employees in Vermont should obtain Workers’ Compensation insurance.

What does contractor insurance cover in Vermont?

Contractors’ insurance will cover you for a variety of different risks. Based on the types of insurance you select, events like:

  • Protection for Third-Party Injuries and Property Damage Claim
  • Unexpected disruptions to businesses
  • Equipment breakdown
  • Injuries and illnesses of employees at work

How much does contractor insurance cost in Vermont?

The cost of business insurance varies because insurers take many factors into account when they determine a business’ cost. 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).
  • How many people are covered under this policy?
  • Your claim history
  • The coverage amount you select

How do I get contractor insurance in Vermont?

BizInsure can help you protect your contractor company.

In just 10 minutes, you’ll be able to look over a variety of quotes and select the coverage that fits your budget and needs. You’ll be covered instantly, with policy documents sent directly to your inbox.

Need help? Our licensed agents are here to assist at any point along the way!

Compare multiple quotes today to get A-rated insurance for your Vermont 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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