Do Tradespeople Who Work for a General Contractor Need Their Own Contractors Policy?
Roofers, carpenters, electricians, plumbers, and other tradespeople who work for general contractors are often wise to purchase their own insurance policy. While doing so requires paying premiums, it lets tradespeople make sure they’re protected. It’s the only way tradespeople can choose their own coverages and limits, and the protections afforded to employees and subcontractors by general contractors’ insurance policies are often limited.
How Can Contractors Obtain a Certificate of Insurance?
Contractors are sometimes asked by clients for certificates of insurance. These are documents that serve as proof that a contractor is properly insured.
Most insurance companies send contractors a certificate of insurance when they purchase a policy, and contractors can usually make copies of this original certificate to give to clients. If a contractor didn’t receive an original certificate or lost it, most insurers will provide additional certificates free of charge. All contractors have to do is contact their insurer or ask their insurance agent to request a certificate from their insurer.
How Can Massachusetts Contractors Get Quotes for Contractors Insurance?
To get help obtaining quotes for contractors insurance, contractors in Massachusetts should contact an independent insurance agent who’s familiar with this type of insurance. A knowledgeable and experienced agent will be able to help decide what coverages are important to a contractor, and an independent agent can get quotes from several insurers for policies that include these coverages. With an agents’ help, finding a suitable policy is both quick and easy.