Contractors Insurance - Cincinnati, Ohio, Kentucky and Indiana
Huesman Schmid Insurance specializes in providing contractors general liability insurance and other vital coverages including builders risk insurance, commercial auto coverage, and insurance for tools and equipment.
Ohio, Kentucky and Indiana Contractors Insurance can be very confusing at times, so we are here to assist you through the process of selecting the right coverage from the right company. Our experience in the construction insurance industry coupled with our access to a variety of companies allows us to properly evaluate your risk and protect your construction company.
Contractors Insurance Coverages in Cincinnati, Ohio, Kentucky and Indiana
- General Liability Insurance - This liability insurance will protect you from most claims that could arise from the day to day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.
- Tools and Equipment - Hand tools are normally covered on a blanket basis with no list or schedule. No item can exceed $500 in value. Equipment Insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.
- Builders Risk - C.O.C (Course of Construction) - Physical damage insurance for property under construction. Lenders will require it before issuing construction financing. Also, they will usually require this coverage before funding remodeling projects. Some policies can be endorsed to include the structure being remodeled.
- Workers' Compensation - Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers' compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers' compensation insurance.
- Business Auto Insurance - Personal auto policies exclude autos used for commercial and business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business, be sure you have the right policy and coverage is not excluded.
At Huesman Schmid Insurance, we have contractor specialists to understand your risks and develop insurance solutions to fit your specific needs in Cincinnati, Ohio, Kentucky and Indiana.