General Contractors

Contractors Know That Winning Bids is Essential to Being Successful but Protecting Yourself from Unnecessary Risk is Just as Important.

We understand you need to stay focused on work, not the risks you face every day. That’s why we work with multiple carriers to find you the most comprehensive coverage at the most affordable price.

In the trades, you need a solid contractor insurance policy that keeps working to protect you long after you have moved to the next job site.

Mullen Insurance

At Mullen Insurance, our mission is to get to know and understand our clients’ needs, wants, and long-term goals. We are passionate about building trust in the relationships we have with our clients. Our focus is on the client. To us, insurance is not simply insurance. To us, insurance provides peace of mind, assurance, and protection for your family and loved ones.

At Mullen Insurance, we specialize in General Contractors Insurance in NH, NY, VT and CT. We keep working even after you have handed over the keys. Protect yourself from potential liability issues that can continue.

What is General Contractors Insurance?

If something goes wrong on a job site, you will often be held liable. General contractor insurance will help pay for a lawsuit or loss due to crew injuries, property damage, stolen equipment, and much more.

Why do general contractors need it?

Contractors insurance is necessary because it protects you and your business, bottom line. Even independent contractors have the same exposure to liability, and legal obligations as a larger corporation might have. You could be sued for damage to client property, bodily harm from injuries on the job, and even advertising injuries.

Coverage Types Available for Contractors:

The following are common types of coverage that contractors carry:

  • Property 
  • Flood
  • Liability
  • Inland Marine
  • Fleet
  • Workers Compensation
  • Employers Professional Liability
  • Cyber
  • Bid and Performance Bonds

What coverage is required?

Depending on your line of work, general contractors are subject to requirements for holding different kinds of insurance for their business.

Many factors come into play. For example, some questions you might consider are:

  • Do I have a physical location?
  • Does my company own a vehicle?
  • Am I prepared for a lawsuit against me or my business?
  • Depending on what you do, you may be required to get builder’s risk insurance or surety bonds.

Key Takeaways

The bottom line, you need to meet with an agent today. At Mullen Insurance, we specialize in general contractor insurance. There are several different kinds of coverage available. There is no need for you to try to navigate this alone. We can help you!