Contractors Insurance Services
APIA Insurance specializes in providing Contractor's General Liability Insurance and other coverages vital to contractors including builder's risk insurance, commercial auto coverage, and insurance for tools and equipment. Contractor's Insurance can be very confusing at times, so we are here to assist you through the process of selecting the right coverage from the right company. We have many companies to find you the best possible coverage at an affordable price throughout the states of Alaska, Georgia, Nebraska, and Nevada. We have many years of experience in the construction insurance industry to professionally evaluate your risk and solve the coverage needs of your construction company.
General Liability Insurance
This liability insurance will protect you from most claims that would arise from the day-to-day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.
Tools and Equipment
Hand tools are normally covered on a blanket basis with no list or schedule. No item can exceed $500 in value. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.
Builders Risk - C.O.C (Course of Construction)
This coverage is basically physical damage insurance for property that is under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects and some policies can also be endorsed to include the structure being remodeled.
Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers' compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers' compensation insurance.
Business Auto Insurance
Personal auto policies exclude autos used for commercial and business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business, be sure you have the right policy and that coverage is not excluded.
Please contact us if you have further questions regarding your coverage needs. We'd be happy to help!