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Key Types of Contractor Insurance

There are several types of insurance coverage that contractors should consider, each serving a specific purpose:

• General Liability Insurance: This covers bodily injuries and property damage that might occur during your operations. It's essential for protecting your business from costly lawsuits.
• Workers' Compensation Insurance: Required by law in most states, this insurance covers medical expenses and lost wages for employees injured on the job.
• Professional Liability Insurance: Also known as Errors and Omissions insurance, this protects against claims of negligence or mistakes in your professional services.
• Commercial Auto Insurance: If your business involves the use of vehicles, this insurance covers damages resulting from accidents involving your business vehicles.