How to Get Contractor Liability Insurance as a Small Business Owner

Contractor Liability Insurance lot of independent contractors get their own insurance, but you might need to get some kind of insurance for the contractors you hire to cover your own and their risks.

Does the insurance my small business has cover freelancers?


You can add an who owns progressive insurance independent contractor as an extra protected to your own insurance policy for a single event or for as long as you have the policy. This way, you can make sure that your independent freelancers are covered travelers insurance log in. This is possible if you let your insurance company know. Your fees or deductible may change to reflect this.

As an independent worker, what kind of protection do I need to have?


If an independent worker doesn’t have insurance, you could be sued for any claims linked to their work, whether they were hurt in an accident, broke the law, or did a bad job.

In most states, any business-owned car needs to have commercial auto insurance. If you hire a worker to drive a company car, you should make sure they have insurance in case of an accident.

It might also be a good idea to make sure they have their own insurance if they often drive their own work car. You might want to ask your worker to show you proof that they are insured.

Do I need to pay my providers for Contractor Liability Insurance?

In most states, any business with staff needs to have workers’ compensation insurance. For more dangerous jobs, travelers indemnity company like building companies, everyone who works on a job site might need workers’ comp.

Workers’ comp covers injuries and illnesses that happen at work, which is something that regular health insurance probably won’t do. Workers’ compensation can help pay for medical bills and lost wages if someone gets hurt on the job.

It is possible for independent agents to get workers’ compensation insurance, but not all of them do. If you’re a general builder, this may be something you have to offer your subcontractors, based on the work they do.

To protect your business, employees, and partners, make sure you check with your insurance company and your state’s workers’ comp rules.

What other types of insurance should I get to cover any private workers I hire?

Liability insurance in general

For many small business owners, adding workers to their general liability coverage is the first thing they do when they start their own business.

General liability insurance travelers customer service protects against common business risks, such as advertising harm, customer accidents, and customer property loss. Leasing and signing contracts are common things that need to be done. You may also need to show proof that you have liability insurance.

Remember that if one of your workers gets sued, it will probably affect you too. By adding contractors to your coverage, you and they will both be safer, and contractors may also be more willing to work with you.

The policy for business owners

A business owner’s policy (BOP) bundles your general liability insurance and commercial property insurance into one plan.

Most of the time, this joint insurance is less expensive than getting each of these coverages separately. This saves you money and gives your business and workers more protection.

Insurance for professional risk

Professional liability insurance, which is also known as errors and omissions insurance, protects you if your workers make mistakes or forget to do something while providing professional services like IT security work, advice, and so on.

In the event that a client sues you or your worker for poor work or failing to meet a deadline, your professional liability insurance will help pay for your lawyers’ fees.

Rental car insurance and non-owned car insurance (HNOA)

Hired and non-owned auto insurance (HNOA) is something you should think about if you, your workers, or partners use personal, travelers company leased, or rental cars for business. In the event of an accident at work, your personal or business car insurance probably won’t cover these kinds of vehicles.

Bonds for surety

To get some contracts, you might need to put up a guarantee bond. You, your client, and the insurance company that provides the bond all agree to follow the terms of the bond, which is also called a performance bond. If you don’t keep a promise, the insurance company pays your client the amount of the bond.

Find out how to use Insureon to get small business insurance from reputable companies.

If you want to get insurance for your business and workers, fill out Insureon’s simple online form right now to get free quotes from the best U.S. providers. traveler’s company can also talk to an insurance professional about the protection your business needs. It only takes less than 24 hours to start getting coverage for your small business once you find the right types of coverage.

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