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11002 Kingston Pike, Suite 103
Knoxville, TN 37934

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IRM Insurance Blog

Contractors Insurance Made Easy

Contractors Insurance

Contractors Insurance is a safety net protecting your for being responsible for the work that you do. Any error or act of negligence will be held against you personally. In order to protect yourself from the unexpected it is imperative that you have a Farragut contractors insurance policy that provides comprehensive coverage. As your career progresses you will likely find that many potential employers and projects will require that you have a current contractors liability insurance policy in place. If you don’t, they won’t even consider you for the job.

Here at IRM insurance we offer a variety of policies to fit just about any contractor businesses, including plumbing, cleaning, and more. Shopping for affordable insurance just got even easier. In fact, we offer 2 convenient ways to get a quote. If you prefer to speak live we have agents standing by. We also offer you the ability to begin your quote right here on our website.

Common types of contractor insurance:

General Liability Contractors Insurance

Contractors general liability is great protection to have in the event of property damage, bodily injury, personal injury, and other claims that arise due to a fault of your business.

This type of Contractors Insurance is available for various businesses, with the price of your coverage being based on several factors, including your location, the number of employees you have, the level of risk your business is exposed to, and the business type.

Keep in mind that you don’t have to be a property owner, have payroll expenses, or cover operating expenses to qualify for contractor liability insurance. As a contractor, you are still at risk of liability even if you don’t own the business.

There is no one size fits all contractors insurance policy and there are various options to choose from. Our team of experts here at IRM are here to help craft a plan that meets your specific needs.

Commercial Vehicle Protection

Vehicles and trailers that are required for your business, such as pick up trucks and tow trucks, are also in need of protection as part of your business.

Other types of vehicles that are commonly covered under commercial vehicle protection include:

Dump trucks

  • Gooseneck trailers
  • Tilt trailers
  • Low boy trailers
  • And more

Commercial vehicle insurance typically varies based on vehicle type. For a more thorough list of vehicles that are insured, contact one of our friendly agents.

Employee Dishonesty Coverage

No one likes to think of their employees as dishonest, but the reality is theft often occurs from your very own employees. Farragut TN contractors insurance Employee Dishonesty Coverage can help safeguard against employee theft.

Who Can Benefit from Contractor’s Insurance?

Contractors, subcontractors, and general contractors vary by business type. Some of the most common businesses that require Farragut TN contractors insurance include:

  • Landscaping
  • Plumber
  • Construction
  • Painter
  • Electrician
  • Handyman
  • Cleaning
  • Carpenter
  • And more

Are you ready for a FREE quote? If so, give us a ring today at (865) 579-0500 or begin your quote here on our website.