General Contractor Insurance in Wyoming
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Do Wyoming general contractors need insurance?
The Equality State has a flourishing construction industry. It is estimated that around 5,100 sole proprietors are employed in the industry statewide.
Construction sites can be dangerous places to work. An accident can lead to an expensive liability issue for your small businesses, regardless of whether you are working on residential or commercial projects. Insurance for contractors for Wyoming companies helps to prevent accidents, unexpected delays, or other common issues from destroying the hard work you’ve put into it.
Contractor insurance is the abbreviated name for the different policies that a contractor might consider.
- General Liability
- Business Owner’s Policy
- Workers’ Compensation
Learn about contractor insurance in Wyoming and how BizInsure can assist you to find coverage for your business requirements.
Who needs contractor insurance in Wyoming?
Many contractors buy insurance policies to safeguard their personal and business financial position. General Liability Insurance and other forms of insurance offer a crucial safety net to protect your company and you.
Certain types of insurance might require working with certain clients (a condition that is usually written into business contracts).
Select your job from the following list to get more information about the options available for insurance, and also to get with a personalized insurance quote.
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BizInsure’s knowledgeable and licensed agents are on hand to help you select the right insurance plan.
What insurance do contractors need in Wyoming?
Wyoming tradespeople consider several types of contractor’s insurance. These insurance policies can help you mitigate the common risks that general contractors have to face.
General Liability insurance
A construction site is a place where anything can occur. Even an innocent mistake, like placing your toolbox in the wrong place, can result in your company suffering when someone is injured.
A 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.
Wyoming General Liability insurance may also be called Commercial General Liability (CGL) or “slip and fall” coverage.
Business Owner’s Policy
Construction workers are aware that sometimes things don’t go according to plan. It can be challenging to keep your commitments when facing interruptions to projects or equipment that is damaged, among other problems.
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.
The BOP can be customized to provide coverage options that meet your business needs. This can be an affordable and a convenient method for general contractors to safeguard themselves from typical risks.
Workers’ Compensation Insurance
It is your responsibility to ensure that your employees are well-being and content at work if you depend on them to manage your business.
Workers’ Compensation insurance protects you against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.
What does contractor’s insurance cover in Wyoming?
Insurance for contractors can protect your business against many types of risks. Depending on the types of coverage you select, you may be protected for situations such as:
- Coverage for Third-Party Injury and Property Damage Claim (General Liability)
- Unexpected Business Interruptions (Business Owner’s Policy)
- Equipment breakdown (Business Owner’s Policy)
- Employee injuries and illnesses at work (Workers’ Compensation)
How much does contractors insurance in Wyoming?
Prices for business insurance vary due to the fact that insurance companies consider a variety of factors to determine each premium. The price of your insurance will be influenced by:
- The type of insurance you want
- The size of your business (annual revenues).
- How many people are covered under this policy?
- Your claim history
- Which coverage should you choose?
Save time and money with BizInsure
BizInsure can help you protect your contractor business.
In less than 10 minutes, you can compare quotes to discover coverage that fits your needs, budget, and budget. You will receive your policy documents immediately via email.
Do you need assistance with your project? Our licensed agents will be happy to help you at any point in the process.
Compare multiple quotes now to find policies to protect your Wyoming general contractor business.
Learn more about insurance for general contractors in the states where you work.
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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