Contractor Insurance

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Contractor Insurance

Prime Insurance Company helps insurance producers write more business by offering contractor insurance through the E&S market.

Contractor Insurance Highlights:

  • Contractor’s liability coverage for property and casualty in both residential and commercial business
  • General liability coverage for premises, work performed, and general operations
  • Customized coverage can include trades, equipment, internal/external construction, individual jobs, and more
  • Endorsements for hot tar and torch down
  • Custom fit coverage for each job including commercial general liability, commercial auto (available in most states), completed products, equipment rental liability, property coverage (available in most states), potential subcontractor liability, professional liability (E&O), and more!

Since 1992, Prime Insurance Company has been a leading E&S carrier offering specialty liability insurance coverage in all 50 states. Prime is rated “A” (Excellent) by A.M. Best. For latest ratings, access www.ambest.com.

There are no minimum premium requirements. Prime Insurance Company will not bind a risk until all required information, documentation, and applicable premium is expressly received and accepted by Prime.

If there are any questions or urgent requests, please contact us today at 1-800-257-5590 or quotes@primeis.com

Questions to consider: Does your general liability insurance, professional liability insurance, or product liability insurance protect your personal assets in cases involving frivolous claims? Many independent contractors, whether providing professional business services or specialized construction trades, wisely protect themselves with general liability insurance. But, what happens when a legal judgment exceeds the limits of these policies? In many cases, frivolous claims may qualify as exclusions in your traditional business insurance policies. Questions to consider: Could your business survive spending the amount of time and money necessary to defend yourself in a lawsuit? More often than not, the answer is no. As an independent contractor, your time can be your most valuable asset. Questions to consider: Do your client contracts address all unforeseen complications? No matter how well you plan ahead, it’s almost impossible to prepare for all future issues that may arise. Questions to consider: Are you prepared for a reduced income in the event of a suspension, demotion, or termination? Many traditional policies restrict certain aspects of liability coverage that professionals should have in place. Standard policies have exclusions and limitations and might not have adequate coverage.

Know the Facts

In May 2017, 10.6 million people were employed as independent contractors. At this same time, independent contractors — by far the largest form of alternative work and a category that includes Uber and Lyft drivers — were estimated to make up 6.9% of total employment.

Nearly 8 in 10 independent workers have faced client nonpayment in their careers.

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