{"id":765,"date":"2025-05-16T04:00:00","date_gmt":"2025-05-16T10:00:00","guid":{"rendered":"https:\/\/www.allctinsurance.com\/blog\/?p=765"},"modified":"2025-05-13T10:36:59","modified_gmt":"2025-05-13T16:36:59","slug":"what-types-of-commercial-insurance-protect-trade-contractors","status":"publish","type":"post","link":"https:\/\/www.allctinsurance.com\/blog\/what-types-of-commercial-insurance-protect-trade-contractors\/","title":{"rendered":"What Types of Commercial Insurance Protect Trade Contractors?"},"content":{"rendered":"

Companies in the construction industry face unique risks specific to their line of work. If you own a construction contracting company operating in West Hartford, CT, you’ll need several types of insurance policies to safeguard your operation. ALLConnecticut Insurance can help determine which commercial policies will best serve your business.<\/p>\n

Essential Coverage<\/h2>\n

At the very least, your business requires general liability and workers’ compensation insurance policies. Construction companies can obtain specialized general liability insurance that protects against bodily harm or property damage resulting from business activities. This insurance can be purchased by general contractors, plumbers, electricians, similar businesses, and property owners. Given that the construction trades have some of the highest rates of job-related injuries, workers’ compensation insurance, which helps cover medical services for your employees’ injuries, is a necessity.<\/p>\n

Additional Policies to Consider<\/h2>\n

Depending on the nature of your company’s work, you may need to consider additional policies. If you maintain a fleet of vehicles, such as vans or trucks carrying equipment and parts, you’ll need commercial auto\/truck insurance. These policies function similarly to personal auto insurance but protect vehicles used in your business operations. If you have a significant inventory or equipment, an inland marine policy will provide protection. These policies cover tools and equipment during transportation, including items that you lease or borrow.<\/p>\n

If you provide professional advice during operations, consider an errors and omissions policy. This insurance protects you against lawsuits from dissatisfied customers claiming you did not provide services or were negligent in operation, regardless of the validity of their claims. Builder’s risk insurance, also known as course of construction (COC) insurance, protects your property during construction.<\/p>\n

Fully protect your construction business by obtaining appropriate insurance policies from ALLConnecticut Insurance, serving West Hartford, CT. Contact our office to schedule an appointment.<\/p>\n","protected":false},"excerpt":{"rendered":"

Companies in the construction industry face unique risks specific to their line of work. If you own a construction contracting company operating in West Hartford, CT, you’ll need several types of insurance policies to safeguard your operation. ALLConnecticut Insurance can help determine which commercial policies will best serve your business. Essential Coverage At the very […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[76],"tags":[358,183,36,9],"class_list":["post-765","post","type-post","status-publish","format-standard","hentry","category-commerical-insurance","tag-allconnecticut-insurance","tag-commercial-insurance","tag-ct","tag-west-hartford"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t