Contractors and their construction crews are often the unnoticed backbone of our society. It is only through their efforts that homes are constructed, office buildings erected and shopping centers built. There are so many moving parts to this industry, and finding quality contractor insurance in New Jersey is one way to protect both the workers, company and end-result of their efforts.
A Policy for All
Because the contracting industry contains a unique and talented blend of artisans, there cannot be a one-size-fits-all policy. The closest thing you can get to broad coverage is a commercial general liability policy. This would cover standard liability risks common to most businesses. However, the unique nature of the construction industry may require additional coverage areas.
In addition to general liability, commercial coverage providers can supplement protection through add-on policies. They may package the entire bundle, or you may choose which isolated coverage options are best for you. Some areas of additional coverage include:
- Pollution liability
- Business interruption coverage
- Errors and omissions liability
- Employment practices liability
- Mobile equipment and tools theft, damage or breakdown
Whether your work employs masons, electricians, plumbers or carpenters, you need to ensure protection and adopt risk management practices. To help you, look for contractor insurance in New Jersey that can provide these basic protective services for your industry needs.