Construction and Contractors

A construction worker shaking hands with someone, Construction and Contractors insurance

Willingham Insurance Agency specializes in providing contractors the insurance products and services you need.  We can place your General liability and other coverage vital to contractors including Builders Risk – Course of Construction, Commercial Auto coverage, and insurance for Tools and Equipment. Whether you are constructing New Homes or Commercial Buildings, Construction and Contractors Insurance can be very confusing. We are here to assist you through the process of selecting the right coverage at a cost-effective price. We have many companies from which to choose and years of experience in the Construction insurance industry allowing us to evaluate your risk and solve the coverage needs of your company.

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The following protection is readily available:

General Liability 

General Liability insurance will protect you from most claims that would arise from the day to day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.

Tools and Equipment

Hand tools are normally covered on a blanket basis with no list or schedule. No item can exceed $500 in value. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.

Builders Risk – C.O.C (Course of Construction)

Physical damage insurance for property under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects as well and some policies can be endorsed to include the structure being remodeled also.

Workers’ Compensation

Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers’ compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers’ compensation insurance.

Business Auto Insurance

Personal auto policies exclude autos used for Commercial and Business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business be sure you have the right policy and coverage is not excluded.