You are quickly moving from job to job and you don’t have time to wait for an insurance certificate.  Our brokers are able to get you multiple quotes from over 100 of the Nations Top 100 carriers in minutes.  Your ability to get a certificate quickly can be the difference between you getting a key project, or being passed over.

At e-GeneralContractorsInsurance.com, we understand the California Contractors Insurance needs and we are able to custom build risk management programs to fit your unique needs.

Competitive Rates

Our brokers negotiate with 100 of the Nations Top Carriers to get the lowest insurance rates in the industry.  You will get multiple quotes from national, regional, and even niche carriers to make sure you have a tailored program to fit your specific needs.

Custom Programs

Since we partner with the best carriers we are able to built custom programs for your insurance needs.  Our brokers work one on one with to identify needs and limitations, and then negotiate the policy terms and prices with the insurance companies.  We have programs to fit every businesses needs including no down payment, pay as you go, flexible deductibles, and combining policies.

One Stop Shopping

We write insurance polices for Liability Insurance, Workers Comp Insurance, Commercial Auto Insurance, Umbrella Insurance, Errors and Omissions Insurance, Commercial Property Insurance, Course of Construction Insurance, and Wrap Insurance.  We also have the ability California License and Performance Bonds.

Call 1-800-329-2040 for a Comprehensive and
Affordable California Contractors Insurance Solution.

 

The success of any small business is the ability to work hard, stand out from the rest, and provide highest quality to your clients.  No matter how well your business is ran it can all change in an instant with an accident that can wipe out your profits possibly destroying your company.

In today’s world even a small accident can cause a large settlement that is why General Contractor Liability Insurance is an important component to the risk management of your company.   As a small business owner you can purchase General Liability Insurance for Contractors one of two different ways.  You can purchase coverage by itself  or as part of a business owner’s policy bundle.  You are able to save money when you bundle insurance plans but make sure to speak with a certified broker to determine the best options for your unique needs.

When you are shopping for Contractors Liability Insurance you need to make sure you have adequate coverage limits in case a large claim is filed.  If the settlement is larger than your General Liability Insurance for Contractors coverage then your company is liable to pay for the difference.

Does Your Company Need General Contractor Liability Insurance?

Every day Small Businesses are at risk from accidents and lawsuits from third parties.  Because of that daily threat every small business needs to have Contractor Liability Insurance to protect themselves and their company.  With Liability Insurance you receive an layer of protection from accidents that occur during operation of your business.  Contractors Liability Insurance will even protect you from employees that cause accidents.  For example, if an employee is driving a company car and causes an accident, Contractor Liability Insurance protects your company.

What Does Contractors Liability Insurance Cover?

Bodily Injury

General Contractors Liability Insurance will cover you if a customer or non-customer is injury during business operations, on your property, or for complete operations.  Contractors Liability Insurance will not cover your employees.  Employees are normally covered under Workers Compensation Insurance.

Damage of Property

This covers damage that could occur to a third party from the instances above.

Advertising Injury

An advertising injury occurs when you put out false claims about another company and cause competitor lose.

Personal Injury

Personal Injury is acts of slander, invasion of privacy, trademark infringement, false arrest or wrongful eviction.

What Does General Contractors Liability Insurance Pay For?

Contractors Liability Insurance will cover medical expenses that occur during the course of the accident, starting from when first aid is administered.  Other medical expenses that Liability Insurance will cover is operations, x-rays, dental, doctors visit reimbursement, devices, and other medical services.

Other than the medical expenses General Liability Insurance for Contractors will cover all expenses resulting from the lawsuit, within your coverage limits.  The costs that are covered include legal cost, and the settlement from litigation.  If your expenses are over your coverage limits then you or your company are liable for the differences.

For an immediate answer to a General Contractor Insurance question, give us a call at 1-800-329-2040.
 

We can take care of your Human Resources and free up time for you to grow and improve the important operations of your company.  Employee Leasing is a temp services, instead it offers a full scope of HR services from recruiting to benefits administration.  When you partner with us for Employee leasing you do not have to put time in dealing with payroll or negotiating rates with benefit providers.  Spend the extra time and money on building your business instead of managing your business.

Employee Leasing services offer more in depth wide range of employee services for their clients.  With a unique co-employment relationship they are able to offer affordable options to small and medium size business.

Employee Leasing Services

Human Resource Management

Small and large businesses, plumbers or general contractors, have human resources work that has to be done.  Regardless of the size or industry of the company the business moves and grows because of the performance of your employees.  Not having to worry about HR allows you to focus on your company, control costs, stay in state and federal compliance, and receive huge discounts on benefits.

Payroll Management

Managing company payroll can be a huge challenge for every business owner.  State and federal regulations make it so hard for the small business owner to keep track of the ever-changing laws.  If you are unable to keep up with these moving regulations then you are subject to fines. Working with a payroll specialist can save you time, money, and help keep you compliant.

Benefits Administration

Keeping up with your employees’ benefits can be time-consuming and tedious process for small business owners when also managing the more important operations of the business.  Outsourcing critical benefits administration  will not only reduce your cost but can also improve the experience of your employees.  Partnering with a larger company for benefits can greatly reduce your insurance costs.  Since larger companies have more buying power with insurance companies, they are able to get lower rates and better coverage.  With an Employee Leasing service you are able to take advantage to their buying power. You can team with an Employee Leasing Service to save on health insurance, Liability Insurance, and Workers Compensation Insurance.

For an immediate answer to a General Contractor Insurance question, give us a call at 1-800-329-2040.
 

We have certified Insurance specialist that will work directly with you to craft an insurance policy that fits your unique business needs. We provide insurance solutions for a specific project or to cover your entire organization. From start to finish, we will work with you to get reliable and affordable Contractors Insurance to protect your company.

Types of Contractors Insurance Coverage

Workers Compensation Insurance 

Workers Compensation is insurance that covers when an employee is injured or experience illness during work related activities. If injury or illness has occurred the employee is eligible to receive compensation for wages, medical expenses, and vocational training. Workers Compensation Insurance is required in most states, but rules and regulations may vary by jurisdiction.

General Liability Insurance

General Liability Insurance covers your business if an accident happens to a third party due to the actions of your company. Every business should have Contractors Liability Insurance if you have customers in the area of business. The coverage offers protection from bodily injury and property damage. Along with injury and property damage, General Liability Insurance covers Advertising protection.

Contractor Bonds

Contractor Bonds are a backed promise by the contractor guaranteeing that the expectations of the project are done. If the obligations are not met by the contractor the third party is able to recover their losses and also provide money to pay for other vendors on the project. Contractor Bond premiums can vary based on a wide range of criteria. Usually companies that have Contractor Bond have a competitive advantage in gaining consumer trust.

Commercial Auto Insurance

Commercial Auto Insurance policies are designed to protect your company from accident, theft, injury, and other damages that may occur while employees are operating company vehicles. There are a wide range of Commercial Auto Insurance coverages, all depending on your type of business, and who actually owns the vehicles. Normal auto insurance may not always cover the liabilities that you have as a business owner. Speak to one of our specialist to see what coverage you need and how we can save you money.

Property Insurance

Whether you own you building or leasing it, you need to protect you business physical assets. Damage to your property can strike in many different ways, fire, busted water pipe, or even storm damage. Having adequate Property Insurance for your business can be one of the most important investments you can make in order to protect your company for the future. Each business has different Property Insurance needs, talk to one of our Contractors Insurance specialist to see what coverage will help protect your assets.

Types of Contractors We Cover

Workers Comp Insurance is not required in every state.  State regulations can vary but generally an employer is required to have Worker Compensation Coverage if they employ 1-5 workers.  Because of the litigious society that we live in, it is important to have Workers Compensation Insurance to protect your company.  Even if your company does not have Workers Comp Coverage you may be required to pay for employee benefits if an accident occurs.

We provide coverage for all states in the U.S. including Florida, Arizona, California, Nevada, Louisiana, Mississippi, Tennessee, and Texas.

Who is Required to Have Contractor Workers Comp Insurance?

Most states require that all employers, not covered by Federal assistance, have Worker Compensation Insurance or have approved self-insurance if you have more than 1-5 employees.  There are some exceptions to this general rule. Officers of corporations are exempt from having Workers Compensation Insurance coverage.  Also agricultural operations are exempt from having Workers Comp Insurance coverage on employees.

If an employer fails to meet Worker Compensation requirements there can be significant consequences, even without an accident.  State laws will vary but companies can face criminal charges and fines.  The fines and charges can be extended to the officers individually.

Benefits Covered Under Contractors Workers Comp Insurance

Medical Care

Contractors Workers Compensation Insurance pays for all medical treatment that is necessary to cure or relieve the effects of the injury or illness.  The benefits are to be paid by the insurance company or the employer if there is no Workers Comp Coverage.  Benefits will be paid to the employee for doctor services, hospital bills, physical rehabilitation, dental care, prescriptions, x-rays, lab services, and all other treatments ordered by the treating doctor.  The employee is also able to receive reimbursement for travel to and from medical visits.

Temporary Disability

Temporary Disability benefits are paid out if it is determined an employee is unable to work due to the work related injury or illness.  Employees cannot receive Temporary Disability until they are off of work for 14 days.  State law determines the amount of benefits that an employee is able to receive.  Most states give injured employees 2/3rds of the employee’s weekly salary with a minimum of $126.00 per week and a max of $490.00 per week.  Workers Comp Insurance benefits stop when the injured employee returns to work.

Permanent Disability

Permanent Disability is when an employee is unable to compete for a job on the open market due to injury or illness.  The amount of compensation depends on the type and extent of the disability.  Date of injury, age when injured, and occupation are all factors in determining the benefits an employee is able to receive.

Vocational Rehabilitation

Vocational Rehabilitation benefits are paid if the employee in unable to do that job they had before the injury or illness.  The employee is able to receive the benefits as long as they are taking part in vocational training.

Transportation Reimbursement

Contractors Worker Compensation Insurance benefits pay injured employees for their time and travel to and from medical visits.

Death Benefits

Death Benefits are paid to the employee’s dependents or estate.  Death benefits are paid similar to temporary disability benefits.

For an immediate answer to a General Contractor Insurance question, give us a call at 1-800-329-2040.
 

Contractors Bond act as a guarantee to the client from the General Contractor that the project will be finished up to expectations.  If the project is not finished up to expectations of the client the Contractor Bond will off set the financial cost the client has incurred to finish or fix the project.

Private companies are now expecting General Contractors to have a Contractor Bond in order to do business with them or even bid on the project.  All government contract work requires that Contractors meet certain bonding requirements.

A Contractor Bond is the assurance to the client that the project will be done and all vendors will be paid without any financial loss to the client.  Having a Contractors Bond shows clients that you are financially able to obtain the bond and also you are looking out for their best interest.

Types of Contractors Bond

Bid Bonds

Bid bonds are Contractors Bond used as a security for bids submitted on a contract proposal.  In larger developments bid bonds are required for all bids or the bids will be rejected.  The bid bond gives the client the confidence that the Contractors stand behind their work.  With a bid bond if the lowest bid Contractor is given the project and backs out, the client will receive the financial difference between the lowest bid and the next lowest bid.

Performance Bonds

Performance Bonds ensure that the Contractor will complete the project with quality work.  In the event that the Contractor does not complete the project up to expectations, the Performance Bond prevents financial loss for the client.

Payment Bonds

Payment bonds makes sure that laborers, suppliers, and sub contractors get paid in the event of the contractor defaulting.  Payment bonds are required in projects over $30,000 with the Federal Government and must be 100% of the contract value.

For an immediate answer to a General Contractor Insurance question, give us a call at 1-800-329-2040.
 

Important Roofers Insurance Coverage:

Workers Compensation is the number 1 insurance roofers should have to protect their company against workplace accidents.  Workers Compensation  pays employee benefits if an accident occurs on the job.  Since roofing is a high risk job there can be a lot of accidents that can happen on a work site.

Workers Compensation Insurance will cover roofers from a small accident, like a cut finger or burn on the hand from hot tar.  It will also cover a major accident with large number of medical bills like falling off the roof and doing serious damage.

Workers Compensation Insurance benefits will cover an employees medical benefits, weekly wages, and rehabilitation cost to get them back to work.  Coverage is required in most states, but it is a good idea to have Workers Comp coverage even if you are not required.  If an employee is injured on the job and your company does not have Workers Comp Insurance, the company is still liable to pay for the required benefits.

Roofers General Liability Insurance is another part of your contractors insurance solutions.  General Liability insurance covers your company against litigation if bodily injury, property damage, or personal injury happens to a third party while working on the job.

For example if your employees are working on top of a roof and they kick the hot tar bucket over the edge and lands on someone that doesn’t work for you.  Hot tar is going to cause significant bodily injury to someone.  That person has the right to sue your company for medical damages and other costs.

General liability Insurance pays for any costs associated with a lawsuit, medical bills and litigation costs.  You know in this world of lawsuits, the cost can add up quick and if you don’t have proper insurance that cost is going to fall on you or your company.

Roofers liability insurance will cover financial losses which may occur due to property damage and injury. It also covers the legal expenses that are incurred.  This general liability insurance policy has been designed to protect the worker as well as the business or the company. It is really very important to make sure that the roofer has the liability coverage.

Protecting your roofing company is important to both you an your employees, many people depend on the operation of your company.  You want to make sure that you protect your company from accidents that may occur during your day to day operations.  Always be prepared for the unexpected.

Go to e-GeneralContractorsInsurance.com to learn more about General Contractors Insurance and Roofing Insurance.

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Roofing Insurance Coverage

Two types of coverage that every employer should carry are Workers Comp and Liability.

Roofers Liability Insurance can be designed at a low cost to protect property damages, accidents/injuries and work done by others.

Roofers Workers Compensation can pay benefits to employees, sub-contractors and independent contractors who are injured, develop an occupational disease or are killed on the job. It is required in most states if you employ more than 3-5 workers.

Roofers Insurance Rates are calculated based upon occupational class codes, payroll size and your companies X-Mod. Not all insurance companies can provide cheap coverage, however we can help you to find the best available rates independently and unbiased.

PEO/Employee Leasing services are an optimal way for your business to get covered and improve your bottom line.

Whether you are a small or large roofing company you need insurance. We know your industry, your risks and the requirements in your state. You can trust us to help you find and obtain the best products in the private market.

Our agency strives for complete protection for your business and your employees. We are reliable, dependable and from coast to coast we have the lowest rates on most contractor class codes. Our clients have been able to reduce what they pay for a policy with some savings as much as 37%. Contact us by phone if you have questions about roofers insurance. Use our online form to request a free quote and see how much you can save!

Roofing Insurance

• Residential
• Commercial
• Tract Home
• Condo
• Apartment
• Townhome
• Hot Tar-Torch Down
• Service and Repair
• Tear-Offs
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