Contractor Insurance – Protecting Your Tools, Team, and Business
As a contractor, your business faces unique risks every day—on the job site, transporting tools, or managing a team. The Garzella Group offers comprehensive and customizable contractor insurance to protect your operations, employees, and equipment. Don’t let accidents, liability claims, or property damage put your business at risk. Let us help you build a secure foundation for success.
Essential Coverages for Contractors
We offer a full range of coverage options designed to address the challenges of the construction and contracting industries:
General Liability Insurance
Protects against third-party injuries, property damage, and legal claims resulting from accidents on the job site.
Tools and Equipment Coverage
Covers the cost of repairing or replacing stolen, lost, or damaged tools and equipment.
Commercial Auto Insurance
Protects vehicles used for transporting tools, materials, and workers.
Additional Coverage Options
- Workers’ Compensation: Provides medical and wage benefits for employees injured on the job.
- Builder’s Risk Insurance: Covers materials, supplies, and structures under construction.
- Professional Liability: Protects against claims of errors, omissions, or negligence in your work.
- Commercial Property Insurance: Coverage for offices, storage buildings, and workspaces.
Who Needs Contractor Insurance?
If you work in any of the following industries, contractor insurance is essential for protecting your business and livelihood:
- General Contractors
- Electricians
- Plumbers and HVAC Technicians
- Carpenters and Framers
- Roofers
- Landscapers
- Subcontractors
Why Choose The Garzella Group?
- Tailored Policies: Custom coverage options designed to fit your unique business needs.
- Competitive Rates: Affordable premiums with options for multi-policy discounts.
- Fast Claims Processing: Minimize downtime with our responsive claims support.
- Expert Support: Our agents understand the contracting industry and can help you navigate coverage options.
Frequently Asked Questions
Q: Is contractor insurance required?
A: In most states, general liability and workers' compensation are mandatory for contractors. Requirements may vary depending on project size and type.
Q: What does tools and equipment coverage include?
A: This covers stolen, damaged, or lost tools and machinery, whether at a job site or in transit.
Q: Can subcontractors be covered under my policy?
A: Yes, but policies vary. Talk to our team to ensure subcontractors are properly covered under your plan.
Protect Your Business Today
Don’t leave your tools, team, or livelihood unprotected. With contractor insurance from The Garzella Group, you can focus on building success while we handle the risks. Call us at 480-264-7226 or request a free quote online today.
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