If you’re a contractor in Huntington, WV, chances are you’ve heard of commercial insurance but may not know exactly what it is or what it covers. Partners Insurance & Financial Services Inc. can give you a brief overview of commercial insurance and some of the things it can cover for contractors in West Virginia.
What is Commercial Insurance?
Commercial insurance helps protect businesses from financial losses. It covers property damage, liability claims, and lost income. Insurance companies offer different types of coverage depending on the needs of the business, so it’s important to talk with an agent to find out what type of coverage is right for you.
Commercial Insurance for Contractors
As a contractor in West Virginia, there are a few things that you should make sure your commercial insurance policy covers.
- Damage to property that you may cause while working. This includes things like accidentally drilling through a water line or breaking a window.
- Any injuries that occur on the job site. This includes things like slips and falls or even more serious accidents. If someone is injured while you’re working, they may try to sue you for damages. Having commercial insurance can help protect you from these types of liabilities.
- Lost income if something prevents you from working. For example, if a storm damages your work site and you can’t work until it’s repaired, your policy should cover any lost wages during that time.
Contact Us Today
As a contractor in Huntington, WV, having commercial insurance is crucial to protecting your business from financial losses. It covers property damage, liability claims, and lost income. Make sure to talk with Partners Insurance & Financial Services Inc. to determine what type of coverage is right for your business needs.