Contractors’ insurance protects against the financial risks present at all stages of business operations.
An unexpected lawsuit can have profound consequences on an uninsured business owner. Far and wide, there is no shortage of risk on an active construction site. With hidden hazards lurking around every corner, Connecticut contractors must be able to rely on adequate insurance coverage to protect their financial assets from safety, operational, legal, and environmental risks that heavily impact a project’s overall success and outcome. Accelerated deadlines, project delays, increased material costs, and labor shortages can erode safety while facilitating risk-taking to maintain hectic schedules, where a simple miscommunication can result in catastrophic property damage or workers with severe injuries.
Connecticut minor and major contractors are encouraged to visit the State of Connecticut’s eLicense Website to verify all pre-licensing and insurance requirements before commencing operations.
With the service you can count on, our licensed representatives are on standby to assist Connecticut contractors, subcontractors, and trade specialists with the best insurance options that fit your budget and business needs.
A Connecticut contractors’ general liability policy is the foundation of a formidable commercial insurance package.
Connecticut contractors’ general liability insurance shields businesses from third-party lawsuits, bodily injury, and property damage claims.
A Connecticut contractor general liability policy — also known as Connecticut contractors’ business liability insurance puts a financial hedge around your business that protects you with the following coverages:
Connecticut contractors’ workers’ compensation insurance benefits employees who have suffered a work-related injury, occupational disease, or illness.
Connecticut contractors’ workers’ comp insurance provides:
Employers that violate Connecticut contractors’ workers’ compensation regulations may be subject to state-imposed fines and penalties.
Please visit the State of Connecticut Workers’ Compensation Commission website to verify employer laws and insurance prerequisites.
Connecticut contractor surety bonds protect consumers by ensuring the contractor will abide by the applicable state rules and regulations outlined in the classification-specific work.
Multiple cities and counties require a Connecticut contractors’ surety bond prior to commencing operations.
Many residential, commercial, and public works projects require a Connecticut contractors’ surety bond before bidding on a construction project.
Connecticut contractors’ commercial auto insurance protects your business vehicles if damaged in an accident, stolen, or other covered peril.
A Connecticut contractors’ commercial auto policy has no limitation on the number of vehicles or drivers on the policy.
Connecticut contractors’ commercial auto insurance — also known as a Connecticut contractors’ business auto policy, provides essential coverage for:
Connecticut contractor inland marine insurance provides all perils coverage for tools, equipment, and mobile machinery at the job site, in transit, or storage between projects.
A Connecticut contractors’ inland marine policy will provide “installation” and “builders risk” coverage.
Connecticut contractors’ tool and equipment insurance protect against such common perils: