{"id":314,"date":"2020-02-24T04:00:00","date_gmt":"2020-02-24T04:00:00","guid":{"rendered":"https:\/\/www.myadvantageinsurance.com\/blog\/?p=314"},"modified":"2020-02-27T16:23:29","modified_gmt":"2020-02-27T16:23:29","slug":"starting-a-contractor-business-here-is-the-insurance-needed","status":"publish","type":"post","link":"https:\/\/www.myadvantageinsurance.com\/blog\/starting-a-contractor-business-here-is-the-insurance-needed\/","title":{"rendered":"Starting a Contractor Business? Here is the Insurance Needed"},"content":{"rendered":"<p>If you just got your contractor&rsquo;s license, congratulations! However, before you run out to pick up a hammer to do your first job, take the time to consult with your insurance agent at Advantage Insurance Network&nbsp;serving Cincinnati, OH&nbsp;and the surrounding area. The contracting business has significant insurance needs.<\/p>\n<p>Here are the types of insurance needed for a contractor:<\/p>\n<ul>\n<li><strong>Worker&rsquo;s Compensation<\/strong>: This is required by law to provide protection for your workers for on-the-job injuries and accidental deaths.<\/li>\n<li><strong>General Liability<\/strong>: This is the basic foundational coverage needed by all businesses for protection against third-party injuries and damages.<\/li>\n<li><strong>Professional Indemnity Insurance<\/strong>: This is also called errors and omissions (E&amp;O) insurance and provides protection if you make a mistake.<\/li>\n<li><strong>Commercial Vehicle Insurance<\/strong>: If you use any vehicles for business purposes, even if only occasionally, you need to have commercial vehicle insurance for them and all the drivers that use them.<\/li>\n<li><strong>Public Liability Insurance<\/strong>: This insurance provides protection if someone is injured or property is damaged at your business premises, on the job site, or in public spaces.<\/li>\n<li><strong>Bonding<\/strong>: Most contractors need to be bonded to be licensed properly. Being bonded means that the contractor purchased a surety bond. A bond is a financial instrument that may be called upon, if a contractor fails to complete a job, does not pay suppliers, doe not pay for permits, or fails to pail for other job obligations.<\/li>\n<li><strong>Property\/Casualty (PC) Insurance<\/strong>: This insurance provides protection for real estate, equipment, and other property owned or leased by the contractor.<\/li>\n<li><strong>Business Interruption<\/strong>: This protection helps pays the bills if the business cannot operate normally, through no fault of its owner, such as during a natural disaster.<\/li>\n<li><strong>Key Person<\/strong>: This provides protection for the person that is critically important for the ongoing business operations.<\/li>\n<\/ul>\n<h2>Summary<\/h2>\n<p>Talk with your agent at Advantage Insurance Network in Cincinnati, OH to get a comprehensive commercial insurance review, which includes recommendations for adequate coverage for all your contractor&rsquo;s insurance needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you just got your contractor&rsquo;s license, congratulations! However, before you run out to pick up a hammer to do your first job, take the time to consult with your insurance agent at Advantage Insurance Network&nbsp;serving Cincinnati, OH&nbsp;and the surrounding area. The contracting business has significant insurance needs. Here are the types of insurance needed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[50,68],"class_list":["post-314","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-advantage-insurance-network","tag-cincinnati-oh"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"If you just got your contractor\u2019s license, congratulations! 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