Contractors Insurance in San Antonio

At Moreno Insurance Agency, a proud Farmers Agency, we are your local experts for contractors insurance. We provide tailored policies for a wide range of professionals, including landscapers, electricians, carpenters, painters, and many more.

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Who Needs Contractors Insurance?

 

There are many types of independent contractors who need specific liability and other coverage to match their unique risks. Professionals who can benefit from contractors insurance include:

• Plumbers, carpenters, and electricians

• Independent construction contractors

• Repair and maintenance professionals

• Freelance writers, editors, and designers

• House cleaners and salon professionals

• And many other service-based businesses

 

Protect Your Business from Risk

 

Getting the right contractors liability insurance can protect you from potential lawsuits, accidents, and third-party property damage that can threaten your business. With the help of an experienced agent, you can find a comprehensive policy that fits your needs.

Normally, you'll need a few key categories of coverage for complete liability protection:

• General Liability: This is the foundation of your policy. It provides coverage for:

  • Bodily Injury: Protects you if you or an employee cause injury or death to a third party. It can cover medical care for the injured person and your legal defense if you are sued.

  • Property Damage: Provides coverage if you or one of your employees causes damage to a client’s property.

• Completed Operations: Protects you if a project you finished later causes damage or injury.

• Advertising & Personal Injury: This can cover claims of damaging another's reputation or causing a loss through libel, slander, or false advertising.

 

Do You Need a Business Owners Policy?

 

General liability coverage can often be combined with other policies to create a Business Owners Policy (BOP). This policy is designed to cover the common risks faced by small business owners and can often lead to a discount.

A BOP is typically a good fit for businesses with up to 100 employees and annual revenues of less than $5 million. It can combine liability with other important coverages:

• Business Property: This covers your owned or rented property, including office buildings, storage units, and warehouses.

• Business Income: This protects you from a loss of income if your business is interrupted due to a covered event.

• Commercial Auto: This is essential to insure your cars, trucks, vans, or any other vehicles used for business purposes.

 

Should You Consider Workers’ Compensation Insurance?

 

The need for Workers’ Compensation insurance is determined by state laws and whether you have employees. If you are a sole proprietor without employees, you may not be required to have it, though some states have specific requirements.

If you employ other workers, your state will almost certainly require you to carry this insurance. The policy protects employees from job-related injuries or illnesses and can help prevent financial loss from employee lawsuits.

 

Professional Liability Coverage

 

When looking for the right contractors insurance, you may want to consider Professional Liability insurance, also known as Errors & Omissions (E&O).

An E&O policy protects you if a mistake or negligence in your work causes a financial loss for a client. You may want or need this coverage if:

• You provide professional advice or consulting in your line of work.

• You hire employees or subcontractors who provide advice or consulting services.

• Your state or a client contract requires it.

 

Get Started on Your Quote

 

We can help you navigate your options and find the right policy for your business. To get started, you can call our office or begin your free online quote now.