Work-related accidents are common, and they can be costly without the right coverage. Construction insurance can protect your business against financial liabilities that could result from unexpected accidents and other situations. Adequate coverage could mean the difference between staying in business or not.
If you’re in a construction business you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them. Businesses involved in construction work often specialize in trades like:
The different trades that do construction work are exposed to different types and degrees of risk. This variety of exposure is one of the many factors used to calculate a business’s construction insurance cost.
For example, an excavator might risk damaging underground water or power lines, while a roofer might risk falling from a roof or ladder. Those are different kinds of risk, so you could expect their insurance rates to differ.
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