As a contractor, your work comes with unique risks, from job site accidents to property damage. Having the right insurance ensures that your business is protected against unexpected events, allowing you to focus on delivering quality work. At Rod Hanks Insurance, we provide customized contractor insurance solutions tailored to the needs of your trade. Whether you’re an independent contractor or manage a team, we’ve got you covered.
Why Contractor Insurance is Essential
Contractor insurance is more than just protection—it’s a critical tool to safeguard your business and build trust with clients. Benefits include:
- Financial Protection: Cover expenses related to property damage, injuries, or lawsuits.
- Compliance: Meet licensing or contractual requirements for insurance coverage.
- Reputation: Demonstrate professionalism and reliability to clients and partners.
Comprehensive Coverage Options
Rod Hanks Insurance offers a wide range of policies to protect contractors across various trades, including construction, electrical, plumbing, landscaping, and more.
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General Liability Insurance
- Protects against: Claims for third-party injuries, property damage, and personal injury.
- Ideal for: Covering accidents that occur on job sites or due to your work.
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Workers’ Compensation Insurance
- Covers: Medical expenses and lost wages for employees injured on the job.
- Required for: Most contractors with employees, ensuring compliance with state laws.
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Commercial Auto Insurance
- Covers: Vehicles used for business purposes, including accidents and liability.
- Ideal for: Trucks, vans, and other vehicles transporting tools, equipment, or workers.
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Tools & Equipment Insurance
- Protects: Against theft, loss, or damage to your tools and equipment.
- Ideal for: Ensuring you can replace essential items without financial strain.
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Builder’s Risk Insurance
- Covers: Structures under construction, materials, and equipment on job sites.
- Ideal for: Protecting against fire, theft, vandalism, and natural disasters.
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Professional Liability Insurance (Errors & Omissions)
- Protects against: Claims of negligence or errors in your work or advice.
- Ideal for: Contractors who provide consulting, design, or technical services.
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Surety Bonds
- Guarantees: That contractual obligations will be met.
- Ideal for: Winning bids and building client confidence.
Who Needs Contractor Insurance?
Contractor insurance is essential for professionals across a wide range of trades, including:
- General Contractors
- Electricians
- Plumbers
- HVAC Technicians
- Landscapers
- Carpenters
- Roofers
- Painters
If your work involves physical labor, job sites, or client property, contractor insurance is critical to protecting your livelihood.
Why Choose Rod Hanks Insurance?
At Rod Hanks Insurance, we understand the unique challenges contractors face. That’s why we provide:
- Tailored Coverage: Customized insurance plans that meet the needs of your trade.
- Expert Guidance: Clear advice to help you choose the right policies for your business.
- Responsive Support: Fast claims assistance to minimize downtime.
Get the Protection You Need Today
Don’t let unexpected events derail your projects or business. Rod Hanks Insurance is here to provide reliable contractor insurance tailored to your needs. to your needs.
Contact us today for a free consultation and quote. Let us help you secure the coverage you need to work with confidence and peace of mind.