Get a Comprehensive Contractor Insurance Solution from Smart Apple
Secure your contractor business with exceptional coverage insurance service. We ensure your business gets optimal coverage at affordable premiums. So give us a call at (718) 523-5353 and get an instant quote now!
Who We Cover
We serve all types of contractors across New York to protect their business from unexpected events. Smart Apple offers contractor insurance coverage that fits your unique risk and requirements.
General Contractors
For the general contractors, risks are usually high due to the entire project’s responsibility. Our insurance policies protect you from job site injuries, property damage claims and more. We also provide umbrella policies to ensure total protection.
Independent Contractors
Working independently doesn’t mean you are liability-free. Whether you are a handyman, electrician, plumber or painter, an insurance policy is essential. So, we provide independent contractor insurance to cover tools, bodily injury and liability claims.
Subcontractors
Our contractor insurance for subcontractors includes general liability, equipment coverage, and optional professional coverage. Keeping your operations covered, whether you work on residential or commercial jobs.
Why Insurance is Essential for Your Contracting Business
In NYC, general liability insurance is legally required. So, our insurance policies are designed to help you get these benefits while staying in your budget:
- Protect Your Business from Lawsuits: GL contractor insurance provides financial safety covering legal fees, settlements and judgments.
- Meet Project and Client Requirements: Clients require proof of insurance before hiring. Having the right insurance will not only meet these requirements but also boost your reputation.
- Secure Your Financial Future: Contractor insurance safeguards your assets, allowing you to recover quickly and keep your business running smoothly. This includes protection for your income with disability insurance, even when the unexpected happens.
Types of Contractor Insurance You Need
We can help you bundle multiple coverages into a single Business Owners Policy (BOP) to save you time and money.
- General Liability Insurance: To protect your business from liability claims.
- Workers’ Compensation Insurance: To cover your employees when they get hurt on a job site or directly as a result of their jobs.
- Commercial Auto and Equipment Insurance: Protects your vehicle specifically used for business purposes.
- Professional Liability (Errors & Omissions): The policy safeguards you against claims of craftsmanship errors and negligence.
Why Choose Smart Apple Brokers for Your Contractor Insurance?
At Smart Apple, we have expert contractor insurance brokers with years of experience. We ensure every quote provided by us is comprehensive, personalized and affordable. So you can focus on building, not worrying!
We make it easy to get the most suitable contractor insurance policy in three simple steps:
- Your Needs, Our Expertise: We evaluate your specific needs, including liability insurance and property insurance.
- The Broker’s Search: Our experts compare quotes from top insurers to find the best coverage at competitive rates.
- Policy Activation & Support: We handle all paperwork and remain your advisor for policy reviews and claims.
Contact us now and let us find some personalised contractor premium policies for you!
Get a Contractor Insurance Quote Online Today!
Smart Apple has proudly served businesses and individuals in NYC for more than 13 years. Arranging fast, convenient and cost-effective contractor insurance services. We understand the specific risks and concerns of businesses in all five boroughs.
Our brokers ensure you get protection for every possible disaster. Whether it’s proximity and public safety, restriction and regulation enforcement, or property-specific risk. We ensure you have a safety net to handle it all!
So, why wait? Call us now or leave an email at info@smartapple.us. We will get you the right quote hassle-freely.
Frequently Asked Questions (FAQs)
It’s the core policy that protects a business from property damage, bodily injuries and third-party claims. For instance, if someone trips on a loose cable at your job site and gets hurt, the policy will cover medical expenses and legal fees.
The policy prices vary by location, type of work you do, number of employees and the company’s overall revenue. Also, your claims history can affect your premium.
Yes, you will need independent contractor insurance to protect you from lawsuits, just like other contractors. It might not be mandatory by law, but a contractor insurance policy is still crucial to keep you safe from liability claims.
There is no single price to quote for cheap contractor insurance. However, basic contractor insurance policies are way cheaper than personalized and comprehensive policies. We can help you lower your contractor insurance premiums by comparing multiple providers at once.
Provide us with your basic details, including your business structure information, tools you use and areas of work. We will have relevant policies that protect you from lawsuits and liability claims.
Typically, no, standard policy will not cover tools and equipment. You will need specialised Inland Marine insurance for this.
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