Specialty Trade Contractors Insurance in Charlotte, Harrisburg & Mountain Island Lake, NC
A Multitude of Insurance Options to fit your Business’ Needs
Kevin Brewer & Associates, Inc. provides insurance for businesses using specialized truck equipment in Charlotte, Harrisburg, Concord, Huntersville, Cornelius, Kannapolis, and surrounding areas.
Like general contractors, specialty trade contractors face the risks that come along with running a contracting business. Protect your business and your employees with specialized coverage that caters to your industry.
At Kevin Brewer & Associates, Inc., we provide a number of insurance options for specialty trade contractors:
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Workers’ compensation
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Retirement plans
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Group benefits
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Liability coverage
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Property insurance
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Umbrella coverage
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Other specialized coverage for tools and equipment will keep your business covered
Contact Kevin Brewer & Associates, Inc. today to go over potential insurance options for specialty trade contractors.
Common Specialty Trade Contractors Insurance Questions:
What Does Specialty Trade Contractors Insurance Cover?
Every specialty trade contractor’s business is unique and several options are available. Some are standard business insurance policies, while others are specific to each industry. Common policies include:
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General liability insurance—This may provide coverage if your business is held responsible for the injuries or property damage of others (e.g., your customers). It may help pay for medical expenses or legal costs if there is a lawsuit.
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Property insurance—This may provide coverage if your company assets (e.g., your building, inventory or furnishings) are damaged by covered perils such as fires, vandalism or theft.
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Business interruption insurance—If a covered event temporarily halts your operations, this coverage may help pay for overhead expenses until you can resume job activities.
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Builder’s risk insurance—This may provide coverage for property during construction. It may protect the value of building materials both at the construction site and stored off-site.
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Workers’ compensation insurance—This may be a required coverage that helps you compensate employees for medical expenses and lost wages after an on-the-job injury or illness.
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Inland marine insurance—This may provide protection if your equipment and other essential tools are damaged by covered events while being transported.
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Umbrella insurance—If a claim exceeds your policy’s limits, this coverage can supplement your existing policies.
Policy endorsements and supplementary coverages may be available to meet your unique needs. Your agent can discuss policy limits, exclusions and options. Additionally, it may be beneficial to secure surety bonds. These provide financial assurances to your clients that you will fulfill the obligations guaranteed by a job contract. While bonds are not necessarily a type of insurance, they can provide valuable protection.
How Much Does Specialty Trade Contractors Insurance Cost?
The cost of specialty trade contractors insurance varies. Factors including the size, type and location of your business as well as your claims history and policy limits can affect premiums.
When it comes to securing a policy that fits within your budget, Cormack-Routhier Agency can work with you on finding the best coverages. Contact us today at 401-944-9400 to ask how to customize a policy for your specific needs.
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