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Framing contractor insurance is one of the first purchases you must make when structuring your framing contractor business. Finding insurance that works for you requires some due diligence on your part. You’re looking for four things: an insurance program that covers everything you need to maintain a healthy business without fearing lawsuits; an assurance that any claims will be promptly handled, a good agent who understands how to mesh insurance with your business needs and an affordable cost.
A framing contractor business insurance program that covers what you need offers liability, a BOP, workers compensation and commercial auto policies.
General liability may be the first type of insurance that comes to mind because the lack of good protection here could bring your business down before you even get off the ground. This is the area where lawsuits occur. You want to make sure you have beginning to end coverage to defend yourself against a lawsuit. If you are found liable for an incident and a large settlement or monetary judgment is rendered, liability insurance will pay for it.
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The popular small business BOP (Business Owners Policy) consists of both liability and property coverage in one policy sometimes called a package. The advantage is that you have many protections consolidated, underwritten and rated in one place which may lead to benefits in premium costs as well as the ability to tailor a policy to your profession. When a company specializes in BOP, you can be sure that the coverages will be comprehensive enough to take care of all of your liability and property insurance needs.
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A far-reaching policy that is required by state and federal laws, this work comp policy takes care of those whose earning power is jeopardized by an on-the-job injury or illness. It picks up all of the costs of medical care in treating the injury or illness. If it’s a lingering ailment, temporary and permanent disability as well as vocational training, if needed, are also provided as part of the workers comp policy. The overall objective is to get the employee made whole so s/he can heal and begin earning again.
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If you’re transporting a piece of frame in your pick-up truck, and you get into an accident, it will not be covered by your personal auto insurance. You will need to get commercial auto if you have to drive for your business. The commercial auto policy will cover you and any employees who have to drive and/or transport material in the course of performing activities for your business.
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