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ConstructionWorkersComp.net is your national leader for low-cost Workers Comp insurance for the construction industry.

 

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  • Only quotes from top workers comp carriers

 

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OUR FEATURES

HOW WE GOT YOU COVERED

Prior claims history… Okay!

 

 

Denied coverage … Our Specialty!

 

 

New to business… Okay!

Tough class to ensure… Welcome!

 

 

Flexible Payment Plans

 

 

Low Down Payments

Pay As You Go Workers Comp

 

 

Professional Brokers Ready to Help

 

 

Fast Turnaround of Certs

COVERAGES

WHAT INSURANCE WE WRITE

WORKERS COMPENSATION
As an employer and business owner, of course, you try your best to provide a safe working environment, but even the most careful workplaces are not immune to occasional accidents. Workers Comp insurance provides benefits to injured or sick employees while protecting businesses themselves from costly lawsuits.

Workers Comp is mandated by law in most states. Business owners with employees must provide coverage for all full and part-time employees or face federal and state penalties. Each state legislates Work Comp in its own way.

Workers Compensation insurance is a no-fault policy. Employees can usually receive benefits for their work-related injury even if the cause weren’t directly traceable to the business owner’s responsibility. The employee who receives compensation can’t sue the company for negligence.

CONTRACTOR LIABILITY
For every Contractor, Contractor General Liability Insurance seems a must. Claims regarding Bodily Injury and Property Damage cannot be simply ignored. Therefore, a Contractors Liability Insurance policy is needed during construction and after its completion.

The process of construction may require difficult steps along the way. The party or firm that mainly supervises the overall construction is referred to as the General Contractor. The General Contractor has the right to allocate the work to a number of subcontractors whenever needed, especially when an aspect of the construction is not within their expertise. For instance, the firm may hire subcontractors to work on the carpentry and plumbing.

While Contractors are allowed to bid for work even if they do not have the General Contractor Liability Insurance, it is always best to have it before one starts working on the construction phase. Often, a contractor is not allowed to work on a construction project if an insurance policy is lacking. The Contractor Insurance Liability helps whenever there are third-party claims against the course of the construction operations. It mainly helps the General Contractor to deal with Contractors Liability, law suits, and accidents that arise from the contracted project.

In addition, this kind of insurance can also help Contractors to save a significant amount of money on attorneys, since insurance companies have their own legal teams who can work on the case when needed. Thus, for a contractor to be protected, General Contractor Liability Insurance is a must. It could end up being vital when it comes to Property Damage, negligence, or Bodily Injury incidents or accidents.

Essentially, the General Liability Insurance covers property and Bodily Injuries that happen in the duration of the construction or after its completion, typically years after. Ask your Broker for the specifics.

As for the cost of the Contractor Liability Insurance, it mainly depends on the coverage and level of risk. Other factors such as the payroll expenses, nature of work and gross receipts may also be factors. Insurance companies may also consider the financial strength of contractors in deciding the coverage and premiums that suit them.

CONTRACTORS BOND
Contractors License and Permit Bonds are not insurance products, however they’re sold by insurance agents. These types of bonds are required by various governmental entities, cities, counties and states, etc., in order to guarantee that the Contractor hired for the construction job meets or exceeds the applicable building codes and ordinances. If a building inspector finds the Contractor is not in compliance, a “claim” may be filed against the surety company that issues the bond. The bonding company will then seek reimbursement from the Contractor for the amount they had to pay out. A Bond protects the government entity, homeowner, or whomever the Contractor is hired to perform work for.

  • A Contractor’s License Bond assures the Contractor will comply with local laws related to the project for which they’re hired.
  • A Bid Bond guarantees the Contractor will enter into a contract if awarded the bid.
  • A Performance Bond guarantees the Contractor will perform the work as specified by the contract.
  • A Payment Bond guarantees the Contractor will pay for services and materials.
  • A Maintenance Bond guarantees the Contractor will provide facility repair and upkeep for a specified period of time.

INDUSTRIES

WHO WE COVER

Apartment Builders

Artisan Contractors

Asphalt Contractors

Assisted Living

Auto Repair

Carpentry, Finish

Class A License

Concrete Contractors

Condominium Builders

Debris Removal

Demolition Contractors

Developers

Door Contractors

 

Drywall Contractors

EIFS Contractors

Electrical Contractor

Equipment Contractors

Excavation Contractors

Foundation Contractors

Framers

Framing Contractors

General Contractors

Grading Contractors

Hard to Insure Classes

Heavy Construction

HVAC Contractors

 

In-Home Care

Janitorial

Landscapers

Manufacturers

Masonry and Concrete

Painting

Paving Contractors

Pipeline Contractors

Plastering, Stucco

Plumbing Contractors

Restaurant

Retail

Roofing Contractors

 

Sandwich Shops

Sanitation Contractors

Sewer, Pipeline

Sheet Metal Contractors

Siding Contractors

Steel Erectors

Steel Fabrication

Swimming Pool Contractors
Tear-Off Contractors

Tenant Contractors

Tile Contractors

Tract Home Builders

Welders

 

ABOUT US

WHO WE ARE

WHY US?
At ConstructionWorkersComp.net we pride ourselves on our Brokers’ knowledge, our customer service, and our large selection of insurance carriers that allows us to bring our customers a tailored policy that suits the businesses and their wallets. We’ve chosen to specialize in the unique needs of Contractors, many of which work in the construction trade. Anyone from a Handyman, Roofer, Plumber, Electrician, Welder, Remodeler…and the list goes on and on.

Our dedicated Brokers are always ready to guide you through the process of obtaining a Workers Compensation policy, and continue to answer your important questions when you become a client.

ABOUT US
The Brokers and staff at ConstructionWorkersComp.net have helped thousands of clients find the lowest contractor rates available and the best insurance plans to protect their businesses for decades. Let us do the same for you. Our office includes a state-of-the-art computer system for policy services, and comparative computer rating service so that instant rate comparisons can be made of the country’s finest insurance companies.

CONTACT US

WHERE YOU CAN FIND US

Office Location

12320 Race Track Road
Tampa FL, 33626

Call Us

1(800)-790-6808

Working Hours

Monday-Friday
9:00am-5:00pm ET