Frequently Asked Questions

A: We provide affordable, customized insurance solutions, including workers’ compensation insurance, general liability insurance, and commercial auto insurance. We compare multiple carriers to ensure you receive both the best price and coverage tailored to your specific trade.

A: We focus on high-risk and skilled trades such as concrete & masonry, drywall, electrical, excavating, framing, general contracting, landscaping, painting, plumbing, roofing, and tree service. If your business builds, installs, repairs, or maintains, we have coverage tailored to your unique risks.

A: Workers’ compensation insurance protects your employees if they are injured on the job, covering medical bills and lost wages so you don’t have to pay out-of-pocket. It also ensures you comply with state regulations and helps qualify you for more job opportunities requiring proof of coverage.

A: General liability insurance protects your company from claims involving property damage, bodily injury, or accidents tied to your work. Without it, even one claim from a homeowner or client could result in costly lawsuits or loss of contracts.

A: Operating without proper insurance can lead to substantial risks such as out-of-pocket medical expenses, lawsuits and legal fees, contract losses, state fines, uncovered vehicle or equipment damages, and harm to your professional reputation. One incident could cost more than years of premiums.

A: Yes. As an independent agency, we shop numerous carriers to find the lowest possible rates on workers’ comp, general liability, and commercial auto insurance. Our goal is to safeguard your bottom line without compromising coverage quality.

A: Absolutely. We can review your existing coverage, compare it to more competitive plans, identify any gaps, and ensure you’re not overpaying. Many contractors save money by switching to better-priced policies with the right coverage.

A: In most states, yes. Construction-related businesses with employees generally must carry workers’ compensation insurance. Not having this coverage can lead to fines, business shutdowns, or legal liability if injuries occur.

A: Personal auto policies rarely cover business use, job-site driving, or hauling equipment. Commercial auto insurance protects your work vehicles, employees, tools, and property involved in work-related accidents.

A: Definitely. Many homeowners, builders, and commercial clients require certificates of insurance before awarding contracts. Being properly insured enhances your professionalism and positions you as trustworthy and prepared.

A: Most contractors receive quotes quickly. Once you choose a policy, it can often be activated the same day. We also provide certificates of insurance promptly so you can begin or continue your projects without delay.

A: We specialize solely in contractor insurance, fully understand your unique risks, and collaborate with multiple carriers to get you the best price and protection. Our straightforward mission is to protect your people, your business, and your bottom line.

A: Costs vary depending on your trade, number of employees, payroll, claims history, and the level of risk involved. High-risk trades such as roofing, tree service, and electrical generally have higher rates. We shop multiple carriers to find competitive rates, helping you save without losing essential protection.