Professional liability is most frequently by consultants, architects, and design/build contractors to protect themselves from clients’ claims. This insurance can protect against client dissatisfaction, flaws in the design, and failure of plan execution. Professional liability policies can also cover negligence on duty.

If your company has been deemed responsible for bodily injury or damage to customer property, you can expect to be accountable for the costs of those incidents. General liability protects you by taking the weight of the cost off of you and your business.

Workers’ compensation offers protection for workers who become injured on the job. This insurance can cover the injured person’s medical expenses and lost wages. Workers’ compensation provides the benefit of peace of mind for you and your employees.

Commercial auto insurance is highly focused on protecting the policy holder’s automotive property. If part of your job requires transportation, like moving tools, supplies, or employees to and from a job site, then you need this vital coverage. A commercial auto insurance policy not only protects your vehicle but also protects you against damage to other things caused by the vehicle.

Inland marine protects the contractor’s property. Damages to your property and loss of tools or other materials can be covered under inland marine insurance.

What happens if my standard policy does not cover it? Well, this is where umbrella insurance proves to be an essential aspect of a policy. Umbrella insurance essentially provides an additional layer of liability coverage above and beyond what your standard policy covers.