Getting a referral is the best compliment we could ask for, and it always feels great to know that our hard work has paid off. After all, referrals are the lifeblood of any business, and they’re how we continue to grow and thrive.
Office Address
| Monday | 9:00 AM - 5:00 PM |
| Tuesday | 9:00 AM - 5:00 PM |
| Wednesday | 9:00 AM - 5:00 PM |
| Thursday | 9:00 AM - 5:00 PM |
| Friday | 9:00 AM - 5:00 PM |
| Saturday | Closed |
| Sunday | Closed |
Frequently Asked Questions.
As a contractor, your time, money, and reputation are on the line. Workers’ compensation costs can skyrocket due to preventable mistakes — hurting your business and your bottom line.
Workers’ compensation can be one of the most expensive and misunderstood areas of business for contractors. One mistake — like misclassifying employees or skipping safety training — can lead to huge premium increases or denied claims.
Our guide highlights the top errors contractors make and provides straightforward solutions to help you stay compliant, reduce risk, and protect your workforce.
View the 10 most costly workers compensation mistakes and how to avoid them.
Yes. Audits can result in unexpected charges if your documentation is incomplete or payroll was underreported. Many contractors are caught off guard by audit bills when their paperwork doesn’t match their policy projections. Surprise bills happen when records are missing. Keep detailed payroll records, subcontractor agreements, timecards, and COIs.
Most insurance agents don’t specialize in the Construction Industry. A generalist insurance agent may miss key exposures, costing you more in the long run. A knowledgeable insurance advisor can help you avoid costly mistakes and build a safer, more insurable business. Choose a broker who specializes in Workers’ Comp for contractors.
If your tools are stolen or damaged, you should immediately report the incident to your insurance provider. They will guide you through the claims process to repair or replace your tools as quickly as possible.
Leased tools and equipment can be covered under this insurance. It’s crucial to include details of leased items when applying for coverage to ensure they are protected.
Yes, Contractor’s Tools and Equipment Insurance often covers tools and equipment while they are being transported between job sites, as long as they are properly secured.
Yes, most policies can be extended to cover rental equipment. It’s essential to check with your insurance provider to ensure rental items are included in your coverage
Contractor’s Tools and Equipment Insurance typically does not cover normal wear and tear, intentional damage, or losses caused by neglect. For coverage of general liability, you would need a separate General Liability Insurance policy.
Don’t see your question? Contact us.
