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Contractors Insurance in Lutz FL & Tampa FL

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractors Insurance Package Covers

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

  • A Business Owner's Policy
  • General Liability Insurance
  • Worker's Compensation
  • Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Chris Black Insurance can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Chris Black Insurance's goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you're one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

1. "About the Specialty Trade Contractors Subsector." U.S. Bureau of Labor Statistics. Accessed April 20, 2016. http://www.bls.gov/iag/tgs/iag238.htm.

2. "Sole Proprietorships vs. LLCs." Nolo.com. Accessed April 28, 2016. http://www.nolo.com/legal-encyclopedia/sole-proprietorships-vs-llcs.html.

3. Utschig, LeRoy. "Contractor's Equipment." Rough Notes. Accessed April 20, 2016. http://www.roughnotes.com/rnmagazine/1997/sept97/09p98.htm.

Our Locations

Lutz

1916 Highland Oaks
Lutz, FL 33559
Main office: 813-782-1777
Toll free: 877-807-1333

Sarasota

3384 Magic Oak Lane
Sarasota, FL 34232
Main office: 941-922-2600

Our Providers

I am Mike Wooten. I just want to tell you how happy I am working with Chris Black Insurance and Sharon. I was here today and talked to them about my homeowners and they were able to save me over $1200 a year on my homeowners insurance. I would recommend Chris and his agency to anybody.
Mike Wooton
My name is Bonnie. I have been a customer of Chris Black Insurance for about three years. Recently with the skyrocketing price of insurance, I wanted to find a better price and Chris and his staff were on top of the situation and they hooked me up with a good insurance company, Travelers, and saved me roughly $700 in the transition. So kudos to them.
Bonnie Hess
I am Gordon Bogart and I live down here during the winter. I own an insurance agency in Ohio and I got involved with Chris several years ago. He does a great job and I send a lot of people to him that I know from down here. We've got a very large agency in Ohio and I wish Chris would come work for us up there.
Gordon Bogert
My name is Bob. I have been a Chris Black Insurance customer for a couple of years now. The reason I began business with Chris is because he was so responsive. I did some checking and his rates are extremely competitive and they have got great customer service. I highly recommend them to my friends and neighbors.
Bob Cline
Chris es la primera person aquí en Florida, después de 13 años, que pasó mucho tiempo conmigo explicando los detalles de la póliza. Estoy muy complacida y satisfecha con el servicio que recibí. Lo recomiendo con confianza. Chris is the first person to take the time to explain the details of the policy. I am very pleased and satisfied with the service. I confidently recommend Chris to others.
Rocio Bonilla