Contractors Insurance in Columbia, MO

Who Needs Contractors Insurance?

There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

Don't Underestimate Your Risk

Getting the right independent contractors liability insurance in place can protect you from lawsuits, mishaps and third party property damage that can devastate your business. Normally, you will need a few different categories of coverage for complete liability protection:

Do You Need a Business Owners Policy?

The contractors general liability coverages can often be bundled with other coverages to create a business owners policy (BOP). This expands coverage to address risks small business owners face and typically results in a discount on the cost of your insurance.

Additional coverages that can typically be bundled include:

Workers Compensation & Professional Liability

If you are a contractor who employs other workers, your state will most likely require you to carry workers' compensation insurance. This policy protects workers from job-related illness, injury or death.

You may also want professional liability (E&O) insurance if you provide professional advice in your line of work, hire employees who provide consulting services, or your state requires it.

What's Typically Covered