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Insurance for Churches Port Charlotte FL

Insurance for Contractors

Port Charlotte Insurance for Churches

Insurance for Contractors in Port Charlotte

Did you know that it is the responsibility of a contractor to make sure all of his subcontractors are properly insured? This is a very important part about being a contractor, and contrary to popular belief can get a contractor sued if they fail to do so. Another very important part about being a contractor is making sure you have the proper coverage for yourself.

So how can you be sure as a contractor that you are acquiring the right coverage to protect you when you need it most? You need to have great (not just good) communication with your agent. Conveying the full scope of your business's operation will allow an agent to help guide you into finding the right coverage. For example, say you start out contracting just masonry work. You have a couple go to subs that you trust their work and can be sure carry the right coverage for themselves. Now say some time goes by and your work is getting recognition. Like many good businessmen who have come before you, you start to grow your business by fulfilling the requests of your clientele. You add some plumbers and electricians to offer a much more well-rounded service, which turns out to be great for business. What you may not have realized is that as your business was growing, you insurance coverage should have been too. The policy that your agent wrote you to start off your original business venture when you were just doing some basic stucco and masonry work has now expanded into a broader spectrum of renovations. This can put you in serious risk of financial trouble as your liability coverage can easily deny a claim if you are found doing work that was not included in your coverage. Even if you were still primarily doing just Masonry but your revenue or size of your company grew, or maybe you start doing a different ratio of commercial vs residential, these things matter! This is why having a great relationship with your agent doesn't cut it. You need to be able to pick up the phone at any time and discuss your business's changes with your agent to ensure they can find you the optimal coverage available. So, if you currently don't feel this way about your agent now, it may be time to find a new one.

Some useful links if you are already a contractor or just considering becoming one:













Insurance for Churches Port Charlotte FL


Port Charlotte Insurance for Churches
Insurance For Homes Fort Myers FL
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