Job-site injury or property damage
Job sites can create third-party injury and property-damage risks. General liability and other coverages may help protect your business when covered incidents occur.
Industry Detail
Contractors & Trades Insurance Built Around the Work
Insurance conversations for contractors should account for crews, job sites, tools, certificates, subcontractors and changing project requirements.
Business Environment
Start with how the work happens.
The details of your day-to-day work — your sites, vehicles, equipment and service context — are exactly what shape the right coverage conversation.
Risk Snapshot
Common exposures to review
Common risks vary by business, location and policy. The examples below can help identify exposures worth discussing when reviewing your coverage.
Tools and equipment that travel
Tools and equipment that move between jobs may need protection beyond a fixed business location. Inland marine coverage can help address eligible mobile property.
Contract and certificate requirements
Many projects require specific limits, additional insured status or certificates of insurance. We can help review these requirements before you quote or renew coverage.
Vehicles used for work
Work trucks, vans and other business-use vehicles may require commercial auto coverage based on ownership, use, drivers and the type of work performed.
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Coverage commonly considered
These coverage areas often come up in the industry review conversation.
General Liability Insurance
Help protect your business against covered third-party bodily injury, property damage and certain personal or advertising injury claims.
Explore pageBusiness Owners Policy (BOP)
Combine core liability and property protections in one policy format that can work well for many eligible small and mid-sized businesses.
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Commercial Property Insurance
Help protect buildings, equipment, inventory, furniture and other business property against covered causes of loss.
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Commercial Auto Insurance
Coverage designed for vehicles used for business purposes, including company cars, vans, pickups and certain commercial trucks.
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Workers' Compensation Insurance
Coverage for eligible work-related employee injuries or illnesses, subject to applicable state requirements and policy terms.
Explore pageProcess
A clear path from risk review to next step
Tell us about the business
Share operations, locations, employees, vehicles, property, contracts and current insurance.
Review coverage options
Identify common coverage areas and questions that may affect the quote conversation.
Select a practical path
Move toward the coverage direction that fits the business need and insurer requirements.
Support after your policy is placed
Contact Valoridge for policy changes, certificates, renewal questions and claims guidance whenever you need help.
Next Step
Build protection around your business.
Tell us what your business does, where it operates and what you need to protect.