At Lake Hill Insurance Agency, we offer a range of essential coverages tailored specifically for contractors to ensure your business is fully protected:

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• General Liability Insurance: Safeguard your business against claims arising from daily operations and job site accidents. This coverage helps shield you from a variety of risks associated with running a construction business.

• Tools and Equipment Coverage: Protect your hand tools and larger equipment, such as welders, generators, and nail guns. While hand tools are covered on a blanket basis with a $500 per item limit, our equipment insurance extends protection to your more expensive tools and machinery.

• Builders Risk (Course of Construction) Insurance: Essential for any property under construction, this coverage protects against physical damage during the building process. It’s often required by lenders for financing and can be extended to cover remodeling projects as well.

• Workers' Compensation: Ensure your employees are covered in case of work-related injuries. This policy also helps mitigate risks related to subcontractors by insisting they carry their own workers' compensation insurance.

• Business Auto Insurance: Personal auto policies do not cover vehicles used for commercial purposes. Ensure your business autos are adequately insured with a policy designed specifically for business use.

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