General Liability is the basic minimum required insurance for contractors. We can bundle general liability coverage, including commercial property, with other insurance products when required. We offer a BOP (Business Owner Policy) that will offer more coverage at a lower premium than obtaining separate policies. Not all businesses qualify for a BOP because it depends on gross revenue and number of employees. Depending on the contractor’s specialty and size of projects, some contractors’ classes may not be a fit for a BOP policy. Specialty work like electrical, excavation, plumbing or landscaping requires different limits and endorsements. A general contractor requires higher limits and broader coverage. We can customize commercial insurance solutions to help meet your exact needs.
Can’t find Insurance? Call Saberlines Insurance! We excel in finding coverage for difficult risks. We have a market for any hard to insure risk!
We appreciate that protecting your business from claims requires a broad knowledge of the contracting industry. Despite the size of your business, we can help you identify ways to lower the total cost of your insurance and benefit from our tremendous experience.
We can work with both:
- General building contractors
- Specialty trade contractor.
- Floor Installation
- General Contractors
- Septic Tank Installation
- Swimming Pool Service & Repair
- Tree Trimming.
Insurance Coverage Options:
- General Liability
- Inland Marine
- Commercial Auto
Commercial Auto Liability insures vehicles owned by a contractor or his employees and pays for bodily injury, property damage to a third party as a result of an auto accident and damages to owned vehicles related to theft, weather, and vandalism.
General liability insurance is a protection for business covering liability in case of legal action. Unexpected bodily injury or property damage can start legal action against a contractor, in which contractual workers can create claims against their employees. Business liability insurance can shield the contractor against claims such as protection against bodily Injury like slip and fall, property damage to customer floor or wall, furniture damage during remodeling, libel (written), slander(spoken), defamation and copyright infringement.
Below are some of the other claims the policy covers.
- Professional liability
- Inland Marine Contractor’s tools and equipment
- License Bonds
- Workers Compensation
- Builder’s risk
We insure Contractors who works on Commercial, Residential or Industrial projects, in CA, NV, AZ & TX.
Here are common classes of Contractors we insure:
- Pressure Washer
- Heating & Air
- Floor Installation
- No Loss Runs Required
- Free Blanket Additional Insured Endorsements
- Free “Completed Operations” Endorsements
- Waiver of Subrogation available
- New ventures are eligible
- Residential and commercial work
- Same day binder