Remodeler insurance is one of our specialties at Kansas City Business Insurance. We have the policies that remodelers need to protect their businesses, assets, employees and customers. We can help you purchase the insurance that you need and make sure that you’re not paying for a policy that has exclusions you’re not even aware of. Or a policy that has inferior coverages to what you need. Working with us is a smart move because you have nothing to lose by getting a quote from us. We handle everything. Since we know your profession and we are local we know how to save you time and money. Therefore you can focus on what’s important and not worry about overpaying while being underinsured. So if you’re a remodeler, renovator or handyman we can help you get properly covered.
Why Do I Need Remodeler Insurance In Kansas City?
Renovation and remodeling involve power tools, physical labor and not to mention projects that take place in someones home. A homeowner can sue for many reasons. Employees can get hurt in many different ways. Our insurance products can help you sleep at night and ensure that you and your people can continue to craft excellent work during the day.
What Types Of Remodeler Insurance Do I Need?
To start with General Liability Insurance is a must have for remodeler insurance. This covers basic third-party risks, such as a customer tripping over materials or an extension cord. Also if you own your own shop or commercial building we can combine it with commercial property insurance for a business owner’s policy (BOP) These types of coverages are for customer injuries, advertising and personal injuries. Also you want to make sure you have completed operations coverage to provide coverage after you finish the project and move on to the next one.
Worker’s Compensation For Remodeler Insurance
Workers’ compensation insurance covers medical costs and lost wages for injuries and illnesses that happen while on the clock. This insurance is required in almost every state for businesses that have employees. This coverage is for the employer’s liability, lost wage’s and employee medical payments. Working with power tools and heavy lifting make this a must have coverage for remodeling companies.
Contractor’s Tool And Equipment Remodeler Insurance
Professional Liability Coverage
Professional liability is important for remodeler insurance also. This covers legal costs related to work performed that maybe someone on your team was negligent and caused damage. Maybe supplies didn’t come in on time and your team couldn’t meet a deadline causing back charges or getting kicked off of a job. This is also called error’s and omissions insurance.
Commercial Auto Insurance
Last but not least is Commercial Auto. This comes in liability and full coverage and is very important. If you have employee’s meeting at the shop and driving to the job this can be a life saver. It can cover injuries to your employees and other’s in case of an accident. It also can cover theft and vandalism. Say your guy forgets to chalk the tire and the truck rolls down the street and through the neighbor’s living room. This coverage can help. If you have any questions about the types of policies please don’t hesitate to contact us today.
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