North Carolina Contractor Insurance

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North Carolina Contractor Insurance

No matter what time of year it is, North Carolina has plenty to offer. In addition to museums and theme parks, the state has outdoor activities and museums. There are a lot of attractions and beaches along the coast all year round, but summer is when tourists peak.

North Carolina’s economy has made a swift recovery despite the hurdles of the pandemic. In addition to its manageable costs, North Carolina has become a hotspot for entrepreneurs due to this strong recovery.

The business regulations in North Carolina are friendly, the tax code is manageable, and the operating costs are low, so it's no wonder businesses thrive there.

In North Carolina, contractors can rely on comprehensive contractor's insurance to protect themselves against lawsuits, workplace injuries, equipment damage, and other problems.

North Carolina Contractors Insurance In A Nutshell

The job of a contractor often involves unique and dangerous risks. For business owners who operate a contracting business, the type, size, and location will determine the type of business insurance you need.

Contractor insurance policies protect your business against liability, property damage, bodily injury, and other unforeseen damages that may occur on the job.

There are several types of small business insurance that general contractors may need, depending on their work and their client contracts. A contractor's insurance policy may include the following:

  • Commercial General Liability Insurance - Your business is protected by this policy against lawsuits resulting from injuries or damage to your business property. This policy can cover libel, slander, and injury claims.
  • Workers Compensation - Injuries on the job can lead to medical bills and lost wages, which workers' compensation can help cover. This also protects the employer from lawsuits.
  • Commercial Auto Insurance - This policy protects your general contracting company's vehicles. Vehicle theft, vandalism, weather damage, and property damage are all covered in an accident.
  • Professional Liability Insurance - If a general contractor is sued for a professional services mistake, like missing a deadline, this insurance provides protection. Alternatively, this policy may be called errors and omissions insurance (E&O).
  • Builder’s Risk - The builder's risk policy protects against expensive property claims throughout a construction project, also known as the construction liability policy.
  • Tools and Equipment Insurance - As a business owner, a tool or piece of equipment is likely one of the most valuable assets in your business. Under this policy, you can replace or repair machinery, tools, and accessories that have been lost or damaged.

A one-size-fits-all policy may not be possible due to trade differences and other factors. Find out if these other coverages are right for your business by speaking with one of Stampede Insurance's experts.

Find The Best North Carolina General Liability Coverage For Your Business

At Stampede Insurance, our insurance company experts have years of experience finding the best business insurance policies for your construction business and small businesses across various industries.

With many years of experience in the construction insurance industry, Stampede Insurance experts can evaluate your risk and provide your construction company with the basic coverages it needs.

If you're looking for coverage, our insurance agents are licensed in many states and can answer any questions you might have. We also offer services in South Carolina, Idaho, and Oklahoma.

We can assist and guide you in finding the right coverage for your business by contacting us today!

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