In our years of the insurance trade we have come to realize the needs of all contractors are not the same. In service to painting contractors we have customized an insurance program to address the array of risk sizes, types and special coverage needs for painter contractors. In addition to insurance coverage for a large painters business, insurance coverage and premiums are available for both the self employed and smaller business. Our painter contractor’s insurance policies may include a wide-ranging property insurance coverage as well as extensive liability coverage.
Through Kerrigan, O’Malley & Bailey Insurance Agency’s Contractors Insurance Policies, We can Provide coverage for :
Professional Indemnity- It can cover contractors against claims for negligence, unintentional breaches of intellectual property, loss of data, or documents and claims for dishonesty.
Employers Liability-covers employees for any injury sustained at work. Normally, contractors must have this insurance by law, even if you are the sole ’employee’ of your limited company
Public Liability-also known as “general” or “product” liability insurance. It covers your company against third party claims. It will also cover you if you accidentally damage property at your client site
Workers Compensation insurance – In case a painter gets hurt on the job and will help compensates you and your employee for time missed from work and rehabilitation
Builders Risk Insurance Builder’s risk insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction. Builder’s risk insurance is coverage that protects a person’s or organization’s insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Heavy Equipment and Contractors Hand Tools- Contractor tools cannot be reasonably confined to one location because let’s face it contractors are often running more than one job at a time. Tools are either classified as “scheduled” or “unscheduled”. Unscheduled tools are usually the smaller hand tools of the contractor profession. More expensive tools will want to be considered under the scheduled items coverage.
Commercial Auto Insurance- Our agents will sit down with you and explain your contractor’s auto insurance options. You will be asked about how your employees use their vehicles, which employees drive company cars, and if some employees will be using their own cars for company work .
Life and Health Insurance – Our dedicated team of life / health insurance professionals understand Massachusetts’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.
For more information on Painters Insurance contact, Kerrigan, O’Malley & Bailey Insurance Agency at 978-365-2302 or fill out our online form above for your FREE Painters Insurance Quote today.