contractors insurance - a guide
You care about protecting your business, and you also want to protect your property, assets, tools, and employees.
For that, you’ve earned our respect and we’re here to help!
Insurance―Because Everyone Else Makes Mistakes
People make mistakes. Whether it’s one made by your ‘favorite’ employee or a random bystander, many can lead to costly accidents. And let’s face it―even if you manage to evade human error, you can’t stop natural disasters and other unforeseen events that require thriving, risky businesses like yours to have insurance.
You need insurance to protect you and your business against inevitable problems.
Ever Hear About the Guy Without Contractors Insurance?
If you thought this was going to be a funny story, well... there’s no punch line here. Contracting without the proper amount of insurance coverage is no joke.
While you don’t need us to tell you about the dangers that come from working in your industry, you’ve surely heard the horror stories of plumbers flooding homes, of electricians starting fires, of HVAC technicians dropping hot water heaters through attics… let’s hope that this hasn’t happened to you.
Between the equipment and tools you use and the dangerous chemicals and power sources you’re around, accidents are bound to happen. Insurance will cover you whether you harm yourself, your equipment, or your client’s property.
Contract Out Your Insurance Woes
Take your insurance coverage as seriously as you take avoiding visits from Code Enforcement officers. You know you need the right insurance to keep you, your business, and your employees safe.
At Westfield, we offer three different kinds of insurance that we’ve created specifically for contractors just like you to fit your property and liability exposures:
- Signature Series Contractors Program
- Contractors Package Program
- Artisan Contractors Program
Based on the size of your business, the type of work you do, and the type of clients and assets you have, a Westfield agent can help you pick which package works best for you.
Bigger Clients = Bigger Problems. Get Add-on Coverage!
If your problems are too big for just one type of insurance, you can always add on to your plan to make it work for you. Here are some of the additional options you can get from Westfield:
- Commercial Automobile Coverage
- Commercial Property Coverage
- Computer Fraud and Funds Transfer Fraud
- Contract Bonds
- Electronic Data Liability
- Employee Dishonesty
- Employment Practices Liability
- Equipment Breakdown
- Professional Liability
- Property on the Move (Inland Marine)
- Umbrella Coverage
- Workers’ Compensation
We get it―it’s a lot to worry about. But while no one really wants insurance, having the right insurance certainly makes running a business a lot less stressful. And a lot less risky!
Work with Westfield for Contractors Insurance
In an industry where contractors work long hours, you don’t have time to deal with complex business insurance. Choosing Westfield means working with people who understand you. That’s why we offer insurance that considers everything contractors need to stay safe and succeed. Westfield agent s are familiar with your industry, speak your language and value your time.