General Liability Insurance

This coverage protects contractors against claims of bodily injury or property damage caused by their work. For example, if a contractor's work causes damages to a client's property or if a third party is injured due to work, this insurance can cover legal fees, medical expenses, and potential settlements or judgments.

Pollution Liability Insurance

This coverage protects energy contractors against claims of bodily injury or property damage due to pollution that they may or may not have caused as a result of their operations. 

Professional Liability Insurance

This coverage protects energy contractors against claims of bodily injury or property damage as a result of the business and professionals providing their professional opinion, service, or design. 

Contractors Equipment Insurance

This coverage protects a contractor's own property, including tools, equipment, and supplies, against damage or loss due to events like fire, theft, or vandalism. It may also cover damage to a client's property caused by the contractor's negligence.

Commercial Auto Insurance

If a contractor uses vehicles for business purposes, commercial auto insurance is necessary. This coverage protects against accidents, property damage, and liability claims while driving company vehicles.

Workers Compensation Insurance

If you have employees you will need to carry workers compensation insurance. This policy covers work-related injuries/illnesses that your employees may sustain during their employment. Finding the right work comp for your business is important. ​

Umbrella Insurance

This type of insurance provides additional liability coverage above the limits of general liability insurance, business auto liability, and employers liability. It helps protect contractors from significant lawsuits or claims that exceed their primary insurance coverage limits. ​​​