Contractors Insurance Ohio
Contractor insurance covers the cost of legal defense in the event of an accident or lawsuit. It is a necessary part of being a contractor in Ohio. Often, personal auto insurance won’t cover the cost of an accident while driving for work. Having a separate business insurance policy helps you avoid huge bills.
Contractor’s insurance covers several different types of liability. For example, if a contractor is driving a company car, they may need commercial auto insurance, and property managers may require general liability insurance. In addition, many commercial leases will require a contractor to have general liability insurance. It’s also a good idea to carry workers’ compensation insurance if your company is providing services for a specific client.
Contractor insurance also covers professional liability. This type of insurance is necessary for contractors that offer professional services that are regulated by the state, such as architects, accountants, and insurance agents. It’s also important for other professional Contractors to have this type of coverage, including those providing services like claims administrators. In addition to liability insurance, Contractor insurance in Ohio can protect a contractor’s assets in the event of a liability accident.
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Contractor insurance is necessary for contractors to protect their reputation and business. It covers injuries and damages caused by faulty work, as well as damage to property. Additionally, contractors often need commercial auto insurance, which covers vehicles used for work and attached equipment such as ladder racks and permanently attached toolboxes. In addition, a business owner’s policy can package contractor liability insurance with insurance for the business’s personal property. Additionally, workers’ compensation insurance protects injured workers.
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