Whether you are a remodeler, masonry contractor, gutter-clearing company, drain-cleaning professional, janitorial service, pool contractor, lawn care company or an electrician, you work hard to build your business and earn the trust of your customers.
But accidents can happen — even when you do everything right.
A customer can slip and fall on a job site. A mistake during a remodel could damage a customers property. An employee can injured on the job. Your work vehicle could be involved in an accident. Even a small claim could become an expensive problem for your business.
That is why having the right businerss insurance is so important.
WHO NEEDS BUSINESS INSURANCE?
Many different types of contractors and service professionals can benefit from proper insurance coverage including:
1. Remodeling and general contractors
2. Masonry contractors
3. Gutter-cleaning and exterior maintenance companies
4. Drain-cleaning and plumbing service businesses
5. Janitorial and cleaning services
6. Lawn-care and landscaping companies
7. Door and window installation companies
8. Electricians
9. Handyman and other home-service professionals
What insurance should you consider?
Every business is different, but common coverage options may include:
General Liability Insurance – Helps protect your business when you are accused of causing bodily injury, property damage, or other something else.
Commercial Property Insurance – Can help protect your building, equipment, furniture, tools, inland marine, inventory, and other business property from covered liabilities.
Professional Liability Insurance – Also known as errors and omissions coverage or malpractice, this may be important for businesses providing professional services or advice.
Workers Compensation – if you have employees, workers compensation IS required in the state of Nevada. Nevada is an exclusive remedy clause that protects employers if an employee gets hurt on the job.
Commercial Auto Insurance – can help protect vehicles used for business purposes, especially when transporting tools, equipment or materials.
Cyber insurance – Businesses handling customer or patient information information may have cybersecurity and data-breach exposures worth discussing with an insuraance broker.
Commercial Umbrella or Excess Insurance – Can provide additional liability protection above certain underlying policies.
Depending on your business, you may also need additional coverages tailored to your specific work.
DON’T WAIT UNTIL AFTER AN ACCIDENT.
One of the biggest mistakes a business owner can made is waiting until something goes wrong to think about insurance.
Your insurance should be reviewed BEFORE you need it.
As your business grows, your insurance needs can change too. You might hire employees, purchase vehicles, add equipment, take on larger jobs, or begin working with commercial customers who require specific coverage.
A regular insurance review can help make sure your coverage continues to fit your business.
WE CAN HELP YOU PROTECT WHAT YOU HAVE BUILT
COVERAGE AVAILABLE
• $5,000,000 / $5,000,000 Limits
• General Liability
• Property
• Cyber Protection
• Hired / Non-Owned Auto
• Sexual Abuse & Molestation
• Professional Liability
• Pollution liability
• Surety Bonds
Looking for Business Insurance?
If you are starting a new business, expanding your existing business, or simply wondering whether you have the right coverage, we are here to help. If you own a business, contact us today.Let’s talk about your business and let’s explore insurance optioins around your needs.
We are here to help you protect your business, your employees, and the work you have built. Contact us today for an insurance review or discuss your business insurance needs.
Get Help With Insurance – We are here to help you protect what you’ve built. Call (702) 541-0882 Ask for Bonnie Grant. Bonnie Grant has been specializing in business insurance since 2009, 223 Water Street, Suite B, Henderson, NV 89015.
