arizona contractor insurance

Arizona contractor insurance

Cheap Arizona contractor insurance

Contractors insurance is coverage that can protect your business from devastating financial debts that can result from work-related accidents. It’s important to protect your livelihood with adequate coverage’s and limits that match your exposure in case your business is threatened

Why Contractors Need affordable Contractor Insurance
As a contractor, customers expect you to:

• Put their construction plans into action
• Meet deadlines
• Ensure large and small projects are completed

All these tasks can expose your business to unique risks. In addition, your business will likely be exposed to common workplace risks.

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These risks include damage to your property or important records.

To learn more about contractor insurance– Get A quote for a type of business insurance– contact general liability insurance AZ. We’ll be happy to provide you with the insurance quotes you need to keep your business safe.

Contractor insurance enables you to focus on your work without distractions. Contractor insurance gives you the confidence to take on big jobs, and to succeed. And contractors liability insurance is one more way you show your customers that you’re a professional and have taken steps to make sure that you’re covered, even in the unlikely situation that something goes wrong.

General liability insurance for contractors enables you to thrive, with the awareness that you have great coverage behind you on every job, every day. contractor insurance is a must for anyone who works with residential and commercial buildings, such as general contractors, handymen, carpenters, electricians, plumbers, and more

Because every business is different, commercial insurance solutions for contractors can range from a standard policy to a more thorough mix of coverage. The type of contracting business you own– such as masonry, landscaping, or new construction–, as well as its size and location, will affect the types of insurance you may need.
We understand the risks contractors face every day and have developed commercial insurance solutions to help meet your varied needs.

Who needs Arizona contractor insurance?

To protect yourself and your business from work-related accidents, it is recommended the following contractors carry contractors insurance: Arizona liability insurance
• Electricians.
• Plumbers.
• HVAC contractors.
• Carpenters.
• Construction workers.
• Painters.
• Landscapers.
• handymen.

Business Owner’s Policy for Contractors.
Most contracting businesses have a Business Owner’s Policy (BOP). They have this because it helps protect them in the same way a homeowner’s policy helps protect your home and personal possessions.
When it comes to business insurance, this is the baseline and first type of policy you should purchase. It gives business owners peace of mind in knowing that in the case of an accident – such as someone slipping and falling on their property – their business is protected.

When searching for insurance coverage it is good to work with a company that has the most options. Here at general liability insurance Arizona, we have the most online options available when compared to other online insurance brokers. We furnish a comprehensive list of insurance policies with many different carriers so we can do it all.

We contractors insurance agents understand that as an entrepreneur you are always looking at the bottom line and trying to make the best financial decisions for your business. We have all the different kinds of policies for each price point. Whether you want to look at your insurance as an investment and protect your business to the best of your ability, or can only afford the minimum, we contractors insurance agents can help.

What truly sets us apart from all the rest is the online carriers we represent for contractor insurance. We only work with the best and most premium insurance carriers in the industry. They are financially sound and offer the most comprehensive products.

By combining three basic coverage’s, a BOP can help save you money while safeguarding what you’ve worked hard to build. This coverage includes:

1. General Liability Insurance— helps protect your contracting business from lawsuits resulting from injuries or property damage. For example, say a customer is injured at your workplace. General liability insurance can help cover the costs related to bodily injury claims. business liability insurance Arizona This coverage also helps cover claims of slander and libel. Business liability insurance does not cover liabilities resulting from the professional services you may provide. For claims of errors or omissions in services you provide, you’d need professional liability insurance.

2. Commercial Property Insurance– helps protect the place where you do business and the things you use to conduct business. This can include tools and equipment. It doesn’t make a difference if they’re owned or leased.

3. Business Income Insurance– helps cover the loss of income when you can’t run your business because of covered property damage.

licensed bonded and insured

Why Your Business Should Become Licensed, Bonded, and Insured

Consumers are often told to only work with businesses that satisfy all three requirements and many businesses focus on these terms in their advertising. But what does it actually mean? What are the advantages of getting licensed, bonded, and insured as a business? What do customers view as the main advantages of hiring companies that are licensed, bonded, and insured? That is also the recommendation of the

Better Business Bureau, which says hiring a contractor who is licensed, bonded and insured is “crucial,” and you need to verify that the information is legitimate and current
As a Business owner, you may have run across the term “bonded and insured.” If you find yourself going wondering what those terms mean, We’re going to break it down a bit for you to understand. you are licensed, bonded and insured, you have the required licensing for your business, proper insurance and you have made payments for additional coverage with a bond

Bonded

Being bonded means that a bonding company has secured money that is available to the consumer in the event they file a claim against the company. The secured money is in the control of the state, a bond, and not under the control of the company A “bond” does not always guarantee that the client will be protected as a result of having that bond.

This is because there two basic types of bonds a business can purchase:
* Surety Bonds (broken into thousands of kinds, depending on the industry).
* Fidelity Bonds (business bonds, employee dishonesty bonds, and ERISA bonds).

Licensed.

For certain professions, a license is necessary to show that you’re competent and permitted to conduct business in the city, municipality, or state in which the license was issued.

Depending on the type of business you’re running, there are one of two ways you will acquire this.
* Purchase a business license.
* Complete a mandated test to obtain a license.

Insured.

When a company is insured, it means that it has transferred any number of risks to a third party through an insurance product. There are many types of commercial insurance that can protect businesses from a variety of risks, but keep in mind that not every business needs every type of insurance.

Being licensed, bonded, and insured may not be required in every situation, but it can provide significant benefits regardless.
In addition to offering a sense of security to your clients, having a business license can actually protect you as well. In some states, it can help you collect damages when a client refuses to pay.
Compare your business insurance in these states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming.

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