Insurance For Independent Contractors

Looking for affordable, comprehensive insurance for independent contractors? Look no further than contractorsinsurance.org. For more than 25 years, we have been building and working with an extensive network of insurance carriers who provide a broad range of coverage and insurance for independent contractors. Whether you need disability insurance, workers' compensation insurance, bonds, commercial auto insurance or just general liability, we've got you covered.

Certain types of insurance for independent contractors are required. Although it may be possible for you submit a project bid without proof of insurance, your project cannot be initiated until all the proper paperwork has been received and processed, so it pays to arrange for contractors insurance prior to bidding on a new project. In some cases, having proof of insurance during the bidding process may actually assist you in winning a bid from the client. If a specific project requires additional coverage above the norm, it is easy enough to add a simple rider and purchase additional coverage on a per-project or as-needed basis.

Insurance for independent contractors

No matter how carefully you plan, or how well you maintain a focus on safety, accidents and injuries can occur, and unforeseen circumstances can cause a job to go some other way than how you planned. That's when it becomes invaluable to have adequate insurance for independent contractors. Without adequate insurance coverage, you could lose the very business you've worked so hard to build. It's unfortunate, but we live in a litigious society, and unexpected lawsuits can be outrageously expensive for business owners, which is why it pays to invest in the peace of mind that comes with insurance for independent contractors.

Types of Insurance

No matter what kind of contract work you perform, it is always a good idea to have general liability insurance. This covers a variety of claims, including incidents that may occur in your office, on your business property, or related to a business-owned vehicle. General liability insurance also covers property damage and the actions (or inaction) of your employees, as well as legal fees, claims of negligence and bodily injury.

If you have more than just a few employees, your state most likely requires that you have sufficient workers' compensation insurance, and you may also be required to carry disability insurance for your employees. Workers' compensation provides benefits to employees who are inured on the job (on site or off site), and disability insurance pays benefits to employees who become ill or injured and are no longer able to work.

If your company or association holds the title to one or more vehicles, or if you or your employees are required to drive as part of your regular work, you may need to acquire commercial auto insurance as well. If you ship or warehouse an inventory, it is a good idea to purchase inland marine insurance to protect your products and supplies while in storage or in transit.

Fortunately, you won't have to spend days or even weeks on the phone or online, researching all these different types of insurance and different carriers. When you choose contractorsinsurance.org, you can make a single call to our qualified personnel, who can assist you in determining exactly what type of coverage you need, and how much insurance is sufficient for your business and employees.

If you need to secure insurance for independent contractors, trust the professionals of contractorsinsurance.org to help you find an affordable plan that provides everything you need. We'll assist you in determining exactly how much coverage you need, and what types of insurance are optimal for your business. For more information, click for a free quote or call our contractors insurance specialists at (516) 294-1072 today.