SMALL BUSINESS INSURANCE FOR YOUR CONTRACTING BUSINESS

Building is Your Business

Being a contractor, you understand the hard work that goes into installing new floors, fixing leaky pipes or replacing air conditioning units. We can help you manage other important issues, too, such as protecting your tools, equipment and property of others. GuideOne offers an easy way to protect against the unknown with our contractor insurance options, so you can go on with business as usual.

Some of the types of Contractors we insure include:

  • Appliance and Accessories
  • Carpet Cleaning
  • Electrical Within Buildings
  • Fence Erection
  • Flooring
  • HVAC
  • Interior Decorating
  • Landscaping/Lawn Sprinkler
  • Plumbing (Residential)
  • Residential Cleaning
  • Sign Painting Inside Building
  • Tile, Stone, Marble, Mosaic

Coverages

Your business is everything to you. Protecting it is everything to us. 

In addition to key coverages such as property and liability, we also offer coverages tailored for your business, including:

  • Additional Insureds
  • Care, Custody and Control
  • Contractors’ Errors and Omissions
  • Contractors’ Installation, Tools and Equipment Coverage
  • Cyber Suite Coverage
  • Employment Practices Liability Insurance
  • Equipment Breakdown
  • Per Project Aggregate
  • Primary and Non-Contributory – other insurance
  • Waiver of subrogation

Additional Coverages

Our coverage has evolved to help protect you from today’s concerns. Our additional coverage also includes:

  • Business Auto

Eligibility Considerations

Eligible

Ineligible

  • $500,000 or payroll or less
  • Boiler installation, service or repair
  • Five locations or fewer
  • Exterior painting
  • Up to 50 employees 
  • Horizontal/directional drilling, boring or tunneling
  • Gross sales per location of $6M or less 
  • New multifamily housing construction (tract home builders)
  • 35,000 square feet or less 
  • Roofing/siding/truss work
  • Three years or more in business
  • Septic tank installation, service or repair
  • Two or fewer claims in the last three years 
  • Snow removal - municipal streets or roads
  • Total cost of subcontracted work no more than 25% of the total annual gross sales 
  • Window cleaning

 

  • Operations in AZ, CO, NV, NY

Are you a small business insurance agent? Grow your business with GuideOne. 

Become a Guideone Agent today