Insurance Agency Since 1934
Highland, IN independent insurance agency
Review contractor insurance with a Highland agency. We help trades and general contractors line up liability, tools and equipment, vehicles, workers compensation, and the certificates customers ask for.
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Liability, tools, vehicles, workers comp, and the certificates customers ask for.
The base coverage for jobsite injury and property damage claims. Customers and general contractors often require it before you start and may ask for certain limits or additional insured wording.
General liability does not cover your own tools. An inland marine or contractor’s equipment policy can cover tools and equipment, including items in transit or left at the jobsite, depending on its terms.
Employees are covered by workers compensation, and work trucks and vans by commercial auto. Neither is part of a general liability policy.
Good to know
Commonly a certificate showing general liability and workers compensation, and sometimes additional insured status and a waiver of subrogation. Requirements vary by contract, so send us the insurance clause.
General liability generally responds to resulting injury or damage, not the cost of redoing faulty work itself. Ask how a policy treats completed operations and your own work.
Yes. Roofing, electrical, and other higher-hazard trades are rated and underwritten differently, and some companies decline certain work. Be specific about what you do and any work you do not do.
Collect their certificates and check that your policy and contracts address them. Uninsured subcontractors can add to your cost and exposure.
These details help match you with the right companies:
Our office at 3026 45th Street in Highland serves Highland, Hammond, Griffith, Schererville, Merrillville, Crown Point, Dyer, Munster, and nearby Northwest Indiana communities.
See also general liability and the overall business insurance page.
Coverage terms, exclusions, availability, and pricing vary by company and by risk, and not every company will quote every situation. This page is general information, not a policy or individualized advice.
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Review liability, workers compensation, commercial auto, tools, and jobsite exposure in one local conversation.