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Most Common Types of Construction Insurance

When you are working on projects that are valuable in both time and money, you want to be sure that you have the necessary protection for all the different aspects. Construction insurance in Riverside is essential for a project of any size and offers a variety of different coverages to safeguard yours.

 

Construction Insurance Coverage

 

General liability insurance – If an employee accidentally damages someone else’s property onsite, your general liability insurance can step in to help. While this is valuable coverage for all project owners, it’s also a mandatory coverage that you may need before you even start a project.

 

Workers’ compensation – Construction sites are, by nature, notoriously dangerous. When your team are handling power tools, heavy equipment, and are often working in the elements, accidents happen. If an employee gets injured on the job, you’re responsible for providing workers’ compensation coverage. This type of insurance pays for medical bills, lost wages, and other expenses related to an on-the-job injury.

 

Commercial auto insurance – Large trucks and other machinery are often needed onsite, and you will need a dedicated commercial auto insurance policy to cover those vehicles. Whether you drive them or put an employee behind the wheel, you cannot rely on your personal auto insurance policy to protect you.

 

These are the top three types of construction insurance to consider. Depending on your project size and risks, you may need more policies to fully safeguard your pocket.

 

Ready to get started on the right insurance? For the easy and convenient construction insurance services that you need, contact the experts at Artisan Insurance Solutions. We are ready to get you the coverage that you need today.

 

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