Reassure Your Contractor Clients when You Obtain Sub-Contractor’s Insurance

June 17, 2020 Blog

WIn New Contracts and Use Your Skills with the Right Coverage in Place

Imagine spending hours perusing through the requirements of a contractor’s request for a bid. You checked each box, ensured you have the right tools for the job and submitted your bid on time. You feel good about things and are sure the job is in the bag. Then the day comes when you receive the news. You didn’t win the contract. There was one aspect you didn’t follow through on – insurance. Nothing makes a bad day like finding out you lost a bid because you didn’t have the correct types of coverage in place.

Win your next bid by having the right sub-contractor’s insurance in place. The brokers from the Business Insurance Center help many different sub-contractors in a wide range of industries. We can assist you in making sure you meet the requirements of the companies you want to contract from. We make it our priority to help our customers succeed.

Sub-Contractor’s Insurance Policies – the Bare Minimum

The companies you work for want to make sure that if they are sued because of something you did, they are covered. If you haven’t thought carefully about the types of coverage you need, here is a good start:

  1. General Liability: You will use this policy for those times when there is damage or injury during the regular course of business. This can include damage you or an employee may potentially cause while at a client’s site, or if a customer shows up to your location and gets injured. This type of policy has broad coverage.
  2. Worker’s Compensation: If you have employees, then you want to have the right protection in place. Worker’s comp does that by providing help with lost income and paying medical bills for those employees that become ill or get sick while on the job.
  3. Commercial Property: While you are safeguarding everyone else, you want to make sure your office and equipment is covered as well. This protection applies to buildings, storage buildings, and other structures you may own.

Additional Coverages to Consider

Once the bare minimum coverage is taken care of, you may opt for additional plans to cover some unexpected happenings:

  1. Commercial Auto Insurance: Any vehicles you use during the course of business should be protected under a policy dedicated to commercial autos. You cannot depend on your personal auto policy to cover this.
  2. Errors and Omissions: It can happen. You believe you did everything right and your client claims negligence against you.
  3. Umbrella: Each policy you purchase will have set limits. Sometimes a claim comes through that is more than your regular policy can handle. You can use this to fill in the difference where regular policies stop.

Win Your Next Bid when You Have the Necessary Policies in Place – Call BIC for Help

Don’t wade through the intricacies of insurance and risk losing out on a lucrative bid. Let the knowledgeable brokers at the Business Insurance Center work with you to custom design a plan to get you the best protection at great rates. Take advantage of our more than 30 years of experience.

Request a quote online or call to ask us about sub-contractor’s insurance. Chat with an experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator. 


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