What Does Contractor’s Insurance Cover?

Many people in Harrisburg, PA choose to work for themselves as contractors. If you have chosen this path, you must think about the insurance requirements for your profession. Henderson Insurance Agency has your questions answered about what contractors insurance is– and why you would need it. In fact, working contractors should have some sort of policy to protect them against liabilities.

Liability Coverage

The main purpose of getting contractors insurance is to protect yourself against liability. The work inherently comes with many risks of damage and getting hurt. This type of insurance would protect you from lawsuits that might occur. You can even customize your policy for your own type of contracting profession.

Structural Damage and Injury

Areas that contractors insurance covers are structural damages and injury. Contractors work in peoples homes and offices. The chances of things getting damages are pretty high during construction projects. Think of contracting workers bringing in large materials that scrape along the walls while being carried. This is the type of accident that would likely lead to structural damage in a home or office. This is where contractors insurance comes in. Your policy would likely cover something like this if it were to occur.

Other situations, like injuries, can also arise on the job. If any accidents at work result in the injury of a co-worker or even a passerby, your contractor’s insurance policy would cover the medical expenses. If the injured person files a lawsuit against the contractor, the policy would also cover legal fees for your defense in court.

More questions about contractors insurance in Harrisburg, PA? Contact Henderson Insurance Agency today to find out more.