Maryland Contractor Insurance
At Huff Insurance, we specialize in providing superior insurance protection for Maryland Contractors. We have great Contractor Insurance Products to meet the needs of virtually every kind of contractor!
The Proper Contractor Insurance Beats Financial Nightmares
Have you ever dreamed your Contractor business was on the brink of collapse because of a multimillion dollar lawsuit? Actually, it's a nightmare scenario any independent contractor could face because of alleged negligence or other liability claims.
There's no doubt that contractors, especially those in the construction industry, face potentially bigger and more expensive lawsuit costs than most businesses. Being a contractor in Maryland means that you have to worry about lawsuits do to your work, employees work and work of your subcontractors. Do you have your contracts designed with subcontractors to provide indemnification agreements, hold harmless and require the subcontractor to add you as an additional insured to their policy? Do you get a certificate of insurance from every subcontractor before every job begins? These easy changes could save you thousands of dollars if there is damage or a claim.
Over the years we have seen many lawsuits and claims from the construction industry. We had a claim recently where a contractor was working in a Pasadena, Maryland home to install a new HVAC system in the basement. The contractor had to leave the job site uncompleted and advised the home owner to stay out of the basement, because the power was turned off and the job was not done. Later that evening, the eager homeowner went downstairs with a flash light to see how things were progressing. In his attempt to "check things out" he tripped over the contractors tool box that was left on the floor. The customer broke his ankle and injured his back, causing him a permanent back injury and several weeks of loss work. The homeowner sued the contractor for his medical bills and pain and suffering.
How many times have you left job sites without things done and advising customer to stay away? Could this situation happen to you?
But even on a more modest scale, you run many other risks, such as property theft, vandalism and damage, workers compensation claims, and the everyday problems that any firm can experience, like business disruption and vehicle accidents.
Any one of these has the potential to undermine your business and undo years of hard work. But with the help of specialized experts like the team at Huff Insurance, you can protect yourself from these financial hazards with customized contractors insurance.
Scores of businesses rely on the service we provide for contractors with purpose-built packages that can include protection for:
- Commercial vehicles
- Workers compensation
- General business liability, contractual liability and excess liability
- Business Owners Policies (BOP's) and Packages are available
- Indemnification for damage on-site or on neighboring sites
- Property coverage
- Materials in transit, shipping and warehousing
- Specific risks associated with your business – for example roofing, demolition, construction, environmental contracting
- Bonds (Performance Bonds, Grading Bonds, Bid Bonds etc)
Whether you are a Plumbing Contractor, Artisan Contractor, Electrical Contractor, HVAC Contractor or General Contractor, Huff insurance is the place to go to make sure you are properly protected.
There are a lot of things to consider, but with Huff Insurance on your side, you don’t need to worry. With our expertise and experience, we'll work with you to understand your specific needs and make sure you have the right insurance protection at the right price for your business.
We can provide guidance on Maryland state and federal insurance and certification regulations, offer advice on managing risk and potentially save you money through available discounts.
Don't let the roof fall in on your business dreams through inadequate contractors insurance. Complete our Free Contractor Insurance Quote Form on this page right now to find out how we can protect you!
At Huff Insurance in Pasadena Maryland we know that you need certificates quickly, most certificates are completed while we are on the phone with you. Do you get this type of service from your agent:?