Contractor Insurance California

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Contractor Insurance California

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Pascal Burke

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    PBIB, Where Contractors Go To Get Insured!

    Get a Quote and forget about the hassel of getting the best deal from a list of best insurance carriers in the market. 

     

    Pascal Burke specialize in insurance for California contractors. He is a contractor turned broker in California, operating a premium contractor-focused insurance agency and his experienced team delivers vigilant and quality service’s. We quote you using major insurance companies to deliver the lowest rate with coverage. Get an instant bond or insurance quote now

    Contractors must carry insurance for any vehicle or piece of equipment that they use in their business. This includes trucks, vans, trailers, and other vehicles used to transport materials or people. It also covers tools, machinery, and equipment used in construction projects.

     

    What is Contractor Insurance California?

    Contractor insurance is an umbrella policy that protects contractors against claims made against them by third parties. These claims can arise out of accidents involving the contractor’s vehicle or equipment, injuries sustained by workers while using the contractor’s equipment, or damage caused by the contractor’s negligence.

    Types of Coverage

    There are two main types of coverage available through contractor insurance: liability and property. Liability coverage pays for damages resulting from bodily injury or property damage caused by the insured contractor. Property coverage covers the insured contractor’s personal assets such as tools, equipment, and vehicles.

    Who Needs Contractor Insurance?

    If you work as a contractor, you need to make sure you have adequate insurance coverage. You should also check with your state’s department of motor vehicles (DMV) to see what type of insurance policy is required for contractors in your area.

    If you have a physical location with a commercial lease, your property manager may require you to purchase general liability insurance.

    To meet state requirements in California, general contractors with employees must provide workers’ compensation insurance, which covers lost wages and medical bills for work injuries.

    Depending on your project and type additional coverage’s might be required.

     

    Why Should You Carry General Contractor Insurance California?

    There are several reasons why you might want to carry general contractor insurance. First, it protects you against liability claims. Liability claims arise when an individual suffers injury or damage due to another party’s negligence. In other words, if you are sued because of something you did while performing your job, you will likely be held responsible. This means that you must have insurance to protect yourself against such claims.

    Our Customers Save on Average 10% To 40% on Contractor Insurance California! It is a standard policy of PBIB to quote your insurance using multiple contractor insurance carriers to provide you with the best price and coverage that meets your specific needs. As former contractors, we have a unique understanding of contractors and their needs, we specialize in Contractor Insurance, there is no substitute for experience.

    Have you accidentally damaged a customer’s property? General liability insurance can help you during these incidents by covering you through a whole range of problems.

    In case you employ any number of employees, worker’s compensation is obligatory to help them cover medical bills and lost earnings in case of an accident at the workplace.

    Commercial auto and trucking insurance covers everything from small accidents like dents, twos, and damage to someone else’s vehicle to big accidents or liability.

    As a contractor, your tools and equipment are the most important part of your trade. Adding coverage to your general liability can help you recover any stolen or damaged tools.

    There is always a possibility of a claim or damage that might exceed your general liability insurance policy. Protect yourself and your business from anything above and beyond the normal GL policy. Get a Quote Now.

    Contractor & Surety bonds are usually used to gauge the seriousness of the party willing to work or as a guarantee that the quality of the work will be up to a certain mark, including licenses and bidding.

    Before a certificate of occupancy, the builder’s risk covers any losses including due to fire, weather, vandalism, or theft. You can also add delays in completion, loss of rental income, and other issues that may arise.

    Now you can cover all the personal property or materials which are installed, fabricated, or stored on-site until you’re done with the job. Protect yourself against theft and damage.

    Also known as errors and omissions, this will help you cover any mistakes you made in documentation or planning. It’ll protect you from certain lawsuits and claims. Visit us and find out why, we are the best.

    BOP is a combination of general liability and commercial in a neat parcel for your convenience. It’s specially designed for you if your office deals with customers and has storage for inventory or equipment.

    You can get this policy to cover damages to your office building, any contents, or almost any other personal property that might be in it. Our Customers Save on Average 10% To 40% on Insurance!

    On any given day, during a project, a contractor could be held liable for many things, including: damage to a client’s property, bodily injuries sustained by a third party or damage to the reputation of a third party. The cost of these claims can add up to millions of dollars very quickly. The contactor can’t control the final cost of injuries to a person injured because of on-site operations, products, or services.

    When you’re a contractor in California, you need to make sure you have the right insurance. That’s where California contractor insurance services come in. They can help you get the coverage you need to protect your business. They offer a variety of different policies, so you can find one that suits your needs. And they’re always there to help if you have any questions or concerns. So if you’re looking for construction insurance in California, be sure to check out California contractor insurance services.

    Insurance contracts usually include a sub-contractor clause which states that they can deny coverage if the sub-contractor doesn’t have equal or greater coverage himself and that its mandatory for the sub-contractors to name your company as additionally insured. This is so that if you’re sued for something done by the sub-contractor, the claim is charged against his policy, not yours.
    Another reason is the fact that having your own insurance means that he is indeed in his own business. Not having this segregation can cause tax penalties, workers compensation liabilities and a possibility of insurance company denying coverage for something done wrong by the sub-contractor.
    Having said that, the most important thing is the language of your insurance policy, since some of the contracts say that coverage will be denied if the sub-contractor’s insurance can’t be proved, while other’s say that coverage won’t be denied as long as an attempt was made to collect insurance certificates.
    You need to always double check with your insurance agent, or even an attorney, if you have any doubt and you must always keep proper records.
    For fair advice and a free quote on your insurance policy, contact us at

    As an independent contractor, you do need to protect your business from all kinds of litigation and suits. Not only would it affect you financially, but as an independent contractor, it would affect your name and reputation as well. That’s why a lot of companies offer independent contractor insurance which is a type of general liability insurance. It covers injuries, damages, reputational damages, and advertising damage.
    It doesn’t matter what field you’re in, you need protection regardless. Now, there are two ways to get insured: ask your client to get liability insurance for you as a part of the contract, or get it yourself. The former will cost a lot for the client, however, the latter will be safer and cheaper for you. Once insured you will receive a certificate of insurance, which can be given to customers as proof of insurance.

    While a general liability insurance policy is a must for every contractor, some of the following can be added as per your requirement:

    • workers compensation

    • contractors pollution insurance

    • automobile liability insurance

    • builders risk insurance

    • inland marine insurance

    • professional liability

    • umbrella insurance

    You need to tailor your insurance policies according to your specific needs. Call us for a free quote based on your requirements, today

    The cost of contractor liability policy depends upon many factors, mainly the niche business you’re in. That will determine the risk factor. For example, roofers are at greater risks than a plumber, therefore, their policy will be costlier.
    However, general liability insurance policies usually start at $30/month after paying the downpayment.
    for a free quote, call us today!

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