Protecting the Builders of California

Contractors Insurance is designed to protect construction professionals from the unique risks they face on and off the job site. Whether you’re a general contractor, subcontractor, or specialty tradesperson, having the right coverage in place helps safeguard your business, employees, and reputation.

Coverage typically includes protection against financial loss resulting from property damage, bodily injury, or accidents related to your construction operations. From job site injuries to damage caused during a project, Contractors Insurance helps cover legal costs, medical expenses, and repair or replacement costs when you are held liable.

Solano Insurance Services recommends that all contractors carry comprehensive insurance coverage tailored to their trade and project size.

Additional Coverage for Contractors

Take a look at the list below for additional coverages you may want to consider.

Commercial Auto Insurance

Commercial Auto Insurance covers vehicles used for business purposes, including trucks, vans, and other work vehicles. This coverage helps pay for property damage and bodily injury resulting from accidents, as well as vehicle repair costs. If your business owns or operates vehicles, this coverage is essential.

Workers’ Compensation Insurance

Workers’ Compensation Insurance provides benefits to employees who suffer work-related injuries or illnesses. It typically covers medical expenses, rehabilitation costs, and lost wages. If you have employees, this coverage is not only recommended – it’s required by law in most states.

Tools & Equipment Coverage (Inland Marine)

Tools and Equipment Coverage protects mobile equipment, tools, and machinery used on job sites. Standard property policies often do not cover items once they leave your primary business location, making this coverage especially important for contractors who transport equipment regularly.

Builders Risk Insurance

Builders Risk Insurance provides coverage for structures under construction, including materials, supplies, and fixtures during the building phase. This policy helps protect against losses from fire, theft, vandalism, and certain weather-related events during the course of construction.

To learn more about Contractors Insurance and other coverage options designed specifically for construction professionals, call Solano Insurance Services at (707)425-8045 or request a quote online.