Contractors pose a unique need. Your business is unique and often times you need a policy that fits your specialty. Whether you are a General Contractor responsible for the entire project, a sub contractor needing to get General Liability insurance to fulfill the requirements of a new contract, Your Insurance Lady can help. We have been helping contractors find insurance for general liability, builders risk, Inland Marine, which covers your tools and workers compensation throughout the state of Colorado and the United States. We can put together a package for you or review your current policy today. Markets are always changing in world of insurance. We stay on top of it always looking for the best ways to protect the name you have worked so hard to build.
If you are a contractor looking for General liability you have come to the right place! We specialize in Contractors Insurance. We pay close attention to the EVER changing marketplace. We can find you the right policy with the right company. It is important that your General Liability insurance cover your scope of work. General Liability policies area full of exclusions, and it is important that you have an agent that can explain them to you. We have several markets available to offer you coverage to protect your company.
What is General Liability?
General Liability insurance covers your company in reference to bodily injury and property damage. It protects you from law suits brought against you by a third party for a covered loss. It does not insure your product or bodily injury to you or your employees. General Liability insurance is the basic foundation of all business packages.
Tool Coverage (Inland Marine)
This is more than just tool coverage. This can also include what is called Installation Floaters to insure the materials you are installing on the job. This coverage comes in handy if you are installing material on a job and there is damage to the material on the way to the job or on the job site. Talk to an agent more about this coverage. Example- if you are moving a $10,000 counter-top to a job site and hit a pot hole. When you arrive at the job site you find it is cracked. A installation floater covers materials in transit or at a temporary location.
** This is for information purposes only and acceptance of a claim can only be made by the insurance company itself.
Builders Risk Insurance
A Builders Risk Insurance Policy will protect your construction project; residential or commercial, while it is under construction. We are capable of writing a of variety policies to suit your needs. We can write a Builders risk on a remodeling project, new construction of custom homes, large tract or multifamily projects. Your Insurance Lady can cover a project for an airport, bridge and any type or size you can think of.
There is coverage available for the existing structure of your remodeling project. A change order endorsement to cover an increase in value of the project due to changes in construction. There is also coverage to pay for the fees for your architect and engineer.
Having a Workers Compensation policy in place will help protect your employees if they get injured on the job. We understand that when you have a good staff it is important to have them back to work and you need a good Workers Compensation company backing you. We have access to multiple markets to get you and your employees protected.
Protect your Business by protecting your employees. Having employees means that they can get injured on the job. If that happens, you want to make sure that you have coverage in place to prevent a law suit.
We will also take a look at loss control and see what credits you may be missing on your current policy. And also what can be done to prevent future losses.
Your agent or insurance broker will provide professional advice and direction for you that are simple to understand. Our customer service is prompt & professional.