Virginia Contractor Insurance

Watson and Watson Insurance Agency - Your Virginia Contractor Insurance Agents

Virginia Contractor Insurance

The category of artisan contractors, also known as casual contractors, includes many occupations that involve skilled work with tools at the customer’s premises. Carpentry Contractors, Plumbing Contractors, HVAC Contractors, Electrical Contractors, Concrete Contractors, Masonry Contractors, Drywall Contractors, Painting Contractors, Welding Contractors, Roofing Contractors, Fencing Contractors and Landscaping Contractors are some of them. Also included are diverse other skilled service providers, such as carpet cleaners, janitors and exterminators.

As the owner of a Virgnia Contractor business, your life is busy. Your company may service residential customers, commercial customers, government buildings and more. It is stressful enough to keep track of installation and maintenance schedules for employees and customers. The last thing your business needs is to worry about potential legal issues, accidents, injuries and natural disasters. Commercial small business insurance packages can be tailored to fit your VA Contractor business’s exact needs, and grow with the company as it grows.

Virginia Contractor Insurance - General Liability Insurance

Protects your contracting company from legal claims that might arise from accidents, as well as damages that can occur to your business assets. For example, if a customer's home or office receives damage as a result of your work, your contracting company could be legally obligated to pay for the subsequent damages and expenses. With general liability coverage, the insurance policy takes care of those claims instead.

A business owners insurance policy (BOP) provides you with tangible and intangible property protection as well as general liability. A BOP can be customized to fit the way you operate your specific Virginia Contracting business.

• Equipment Breakdown – If your Virginia Contracting repair or installation equipment breaks down it can be expensive to repair or replace. A BOP protects your company from having to absorb those costs.

• Buildings and Contents – Whether you have public shop and retail space or you simply store your supplies in a warehouse and operate a mobile Virginia Contracting business, a BOP can protect you from the loss or damage of physical structures. Physical structures include the buildings themselves, offsite equipment, and physical content inside of your business structures as well.

• Business Income and Extra Expense – If a business structure is damaged or destroyed, a BOP can protect you from the loss of income that comes when you have to suspend business operations until the building is replaced or repaired. It can also cover extra expenses that come up when you have to rent temporary work space or equipment.

• Products and Completed Operations (Included In General Liability) – If you sell your customers a product that is later found to be defective, a business owners policy can protect you from the potential liability and cover damages.

• Electronic Data – Important electronic data that you keep for your business is protected from expensive losses due to power outages, viruses or other damaging effects.

• Employee Dishonesty Coverage – When your company’s employees are entrusted with handling expensive equipment, there is always a risk that they will decide to keep some of the materials for themselves. Or they may conduct fraudulent activities such as providing goods and services to friends or family for a kickback. Your BOP can protect you from these types of losses with employee dishonesty coverage.

Virginia Contractor Insurance - Commercial Auto Insurance

Traveling to your customer’s jobsite to perform contracting repairs and services puts your company at risk of having auto accidents. A commercial auto policy protects you from losses, damages and medical bills that may arise.

Virginia Contractor Insurance - Workers Compensation Insurance 

Each state in the country requires you to carry coverage for your employees. This insurance pays their medical expenses if they are ever hurt while working.
Let the Watson and Watson Insurance Agency of Gaithersburg MD help you understand and protect all the risks you run and all the perils your contracting business faces. We will do this with a well thought out and executed business insurance policy designed just for our Virginia Contractor Insurance policy holders.

We provide Virginia Contractor Insurance Quotes in Arlington VA, Alexandria VA, Fairfax VA, Falls Church VA, Woodbridge VA, Dale City VA, Newington VA, Lorton VA, Fredericksburg VA, Manassas VA, Burke VA, Mount Vernon VA, Annandale VA, Front Royal VA, Leesburg VA, Reston VA, Tyson’s Corner VA, Dumfries VA, Gainesville VA, Haymarket VA, Centreville VA, Chantilly VA, McLean VA, Ashburn VA, Springfield VA, Fairfax City VA, Herndon VA, Linconia VA, Springfield VA, West Springfield VA, Mantua VA, Merrifield VA, Vienna VA, Dunn VA, Loring VA, Franconia VA, Baileys Crossroads VA, Seven Corners VA, and Idylwood VA.