Contractors

Coverages

General Liability

Covers financial amounts should contractor(s) be held liable to pay third parties for damages or medical payments due to bodily injury. Depending on your state and regluations you may be required to have this coverage. It may be a good idea to also look into Commercial Umbrella Insurance to further boost your liability coverage. Contact us today!

Commercial Auto

This policy protects work vehicles owned by gerneral contronstruction companies, even if they are only used to transport contractor materials. In addition, it covers vehicle theft, weather damage, and property damage along with medical bills in case of accidents. Call us and we will help you determine just how much coverage you need.

Inland Marine Insurance

Also known as Property in Transit Insurance, insures the transportation of goods over water and in transit on land such as trucks or train. Should there be any damages caused by a covered peril to the tools, products, materials, and equipment that your business regularly transports then you should consider having Inland Marine Insurance.

Uninsured and Underinsured Motorist

In the event that an accident occurs and the third party is held completely liable but does not have insurance, this policy will help cover the financial costs. Another sceanrio in which this policy will also be implemented is if the liable third party does have insurance, but it is not enough to cover the damages or medical expenses. In addition, there are irrsponsible drivers will commit a hit and run, so if they leave before exchanging insurance information you will be protected with this coverage as well. To be better prepared for these types of accidents contact us to proctect yourself and your drivers.

Workers’ Compensation

This coverage provides employees with wage replacement and medical benefits if they get ill or injured at work. States like Texas require businesses like construction or home improvemnt to carry Workers’ Compensation Insurance. For most states there are 4 main Workers Compensation benefit categories which are: Disbility/loss of income, Medical, Survivor/Death, and Rehiabilitaion.

More Information

Commercial Liability

Whether you are looking for additional protection for your business or are being required to obtain coverage by a client, we can provide options for commercial liability insurance for your business. Liability for businesses can range from general commercial liability coverage to specialized policies such as professional liability (E&O), employment practices (EPLI), and directors and officers (D&O).

Commercial Property

Commercial property insurance can help reduce the risk of a loss putting a financial strain on your business. Our professional agents can review your business assets, such as properties, inventory, equipment, and tools and recommend coverage so that you are adequately insured.

Commercial Umbrella

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies. One of the insurance advisors at Optimize Insurance can review your business insurance needs and recommend what kind of liability coverage you need to protect yourself and your company.