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Protect Your Business with General Contractor Insurance

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Insurance Solutions for General Contractors

Working as a general contractor involves managing many aspects of construction projects, from coordinating teams to ensuring safety on the job site. But beyond managing the work itself, you also need to protect your business from the various risks that come with the job. With our General Contractor insurance, you can feel secure knowing we’ve got your back.

What Is General Contractor Insurance?

General Contractor insurance is business insurance for general contractors and construction companies. It protects you from a range of potential issues like property damage, job site injuries, and liability claims. At Hastings, we provide General Contractors insurance that ensures every part of your business is covered.

Types of Business Insurance

Business insurance isn’t just one policy; it’s a combination of coverages that protect different aspects of your business.

General Liability Insurance

General Liability insurance protects you if someone gets hurt at your location or job site or if property is damaged because of your work.

Professional Liability Insurance

If your services or product causes harm or damage, Professional Liability insurance helps cover legal fees and settlements.

Property Insurance

Protects your physical assets, including buildings, tools, and equipment from risks like fire, theft, and vandalism.

Workers’ Compensation Insurance

Workers' Compensation coverage helps pay for medical bills and lost wages if an employee gets hurt on the job.

Why Business Insurance Is Essential

Construction work is full of potential risks, from accidents to project delays. Business insurance gives you financial protection and peace of mind, so you can focus on delivering quality work to your clients.

Protects Your Business Assets

Your business is a significant investment. Business insurance protects your property, tools, and equipment from damage or loss, ensuring that a single accident doesn’t derail your operations.

 
Covers Liability Risks

Accidents happen, and when they do, you could be held responsible. Business insurance protects you from lawsuits and the high costs that can come with them, including legal fees and settlement costs.

 
Provides Peace of Mind

Running a contracting business is stressful enough without worrying about what could go wrong. With the right business insurance in place, you can focus on what you do best—building and managing projects—without constantly looking over your shoulder.

Key Benefits of Business Insurance


Financial Protection

Business insurance covers the costs of lawsuits, property damage, and workers' injuries, helping you avoid financial losses that could hurt your business.

Increased Client Trust

Clients are more likely to trust and hire contractors who are fully insured. General Liability insurance shows that you’re a responsible professional who is prepared for any situation.

Business Continuity

If something happens that forces you to stop work temporarily, such as an accident or equipment loss, Business insurance can help cover lost income and other expenses, allowing your business to recover faster.

Common Claims and How Insurance Helps


Job Site Injuries

Accidents on construction sites are common, whether it’s a worker falling or a client getting injured. General Liability and Workers' Compensation insurance covers medical expenses and legal fees, protecting your business from financial losses.

Property Damage

If your equipment is damaged during a project, or if a tool is stolen from the site, Property insurance covers the repair or replacement costs, so you can continue working without delay.

Faulty Workmanship

If a client claims that your work was substandard or caused damage, Professional Liability insurance helps cover the cost of legal defense and any settlements, protecting your business reputation and finances.

Insurance for General Contractors

Hastings offers General Contractor insurance solutions to fit your specific needs. Whether you run a small business or manage multiple teams across different job sites, have a policy that provides the right protection for you.

Business insurance is more than just a safety net; it’s a crucial part of running a successful business. With the right coverage from Hastings, you can take on projects with confidence, knowing that you’re protected no matter what comes your way.

FAQs About Business Insurance

What does General Contractor insurance cover?

General Contractor insurance typically includes General Liability, Professional Liability, Property insurance, Workers’ Compensation, and Commercial Auto insurance. These coverages protect against accidents, injuries, property damage, and legal claims.

How much does General Contractor insurance cost?

The cost of General Contractor insurance varies based on factors like the size of your business, the projects you take on, and your location. Hastings offers customized quotes to meet your specific needs.

Can I get insurance coverage for subcontractors?

Yes, you can include coverage for subcontractors in your General Contractor insurance policy. This helps protect your business from any mistakes or accidents that might occur while subcontractors are working on your projects.

What should I do if a client sues me for faulty work?

If a client claims your work was faulty, Professional Liability insurance covers the cost of defending your business in court and any settlements or judgments. This helps protect your business from significant financial losses.

How do I find an Agent near me?

Visit our insurance Agent locator to find an Agent near you and get started.

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What Sets Hastings Apart

Hastings stands out for our dedication to providing personalized service and comprehensive coverage, including:

  • Industry Expertise: Deep understanding of your industry and its unique risks.
  • Wide Range of Coverage Options: Offering insurance solutions that address the diverse needs of different businesses.
  • Excellent Customer Service: Dedicated support from knowledgeable agents.
  • Loss Control: Personalized loss control and safety plans.

Secure your
future today!

Get a Quote

Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by Hastings Insurance Company (Hastings). Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

Hastings Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058

 

Monday-Friday
8:00 a.m. - 4:30 p.m. (EST)

 

(800) 442-8277


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