Complete our Iowa Remodeling Insurance quick quote form or call 952-469-0425.
Iowa remodeling contractors are professionals in their trade, working on a variety of projects both residential and commercial. It takes special skills to put together jobs and work with employees and any independent contractors you hire. You are an experienced professional remodeling contractor and pay attention to the smallest of details. You might remodel a basement, kitchen, bathroom, an entire home, or a commercial building. Either way, you transform interior and exterior spaces and create awesome places. However, there are still times when things could go wrong. Remodeling businesses can have an accident, make a miscalculation, and cause large property damage and bodily injury. Clients who experience negligence can sue your Iowa contracting business. Be sure and buy a comprehensive remodeling insurance plan. Paper contractors can protect their business from costly liabilities and damages.
Not only does your insurance plan need to be comprehensive, but it also needs to be low cost. Contact Iowa Contractors Insurance today at 952-469-0425! Our independent insurance agency specializes in contractor insurance. We offer Insurance plans for all types of Iowa contractors, read our bio. We shop multiple top-rated insurance companies and match you up with the best fit—the best fit for your growing remodeling business. We have been doing this for many years, so we know which policies suit your business. Perhaps you are an Iowa independent contractor just starting.
Maybe you have an established remodeling company. Either way, we can make recommendations on the types of coverage you should purchase. Plus, we give you a choice of insurance companies. Some of those coverages are, but are not limited to:
Commercial General Liability Insurance – General liability insurance covers your business or your workers should they be sued or found liable for the following types of claims:
- Damage to other people’s properties
- Bodily injuries and deaths
- Advertising and personal injury
Commercial general liability insurance will also cover the cost of the damages and losses incurred in the event. This insurance can cover the cost of your legal defense and medical fees. Remodeling businesses need protection for your premises, products, operations, and completed operations.
Commercial Property Insurance – Commercial property insurance helps cover your business property if it encounters a disaster. This insurance will cover the loss or damage of the following should a fire or other covered peril arise:
- Other people’s properties
- Business personal property & equipment
- Furniture and fixtures
- Building or structure
Workers’ Compensation Insurance – Workers’ compensation insurance is required by Iowa law in most cases. If you own an Iowa remodeling company, it is only fair to provide your employees with complete workers’ compensation. Your employees could be injured on the job. So, it is good to reassure your employees that they and their families are financially secure if an accident happens on the job. Workers’ compensation can also serve as a safety net in case a sub-contract gets hurt and is deemed to be an employee. Iowa workers compensation insurance offers several benefits, which are:
- Income benefits
- Medical benefits
- Burial benefits
- Death benefits
- Vocational rehabilitation benefits
Equipment and Tools Insurance – Equipment and tool insurance covers the cost of these things in the event they are stolen or destroyed. Though some commercial general liability may provide a small amount of coverage, it’s always best to take inventory and make sure you are adequately protected. If you providing remodeling services to residential homes and commercial properties, you most likely have some expensive equipment like air compressors, nail guns, battery-operated saws, and drills, laser levels, hammer drills, toolboxes, etc. Not to mention all smaller tools like hammers, multi-tipped screwdrivers, blowtorch, voltage testers, light tester, tube cutters, concrete moisture meters, oscillating multi-tool, and many more. Perhaps these items are kept in a trailer. Protect them!
Commercial Auto – Should any of your remodeling businesses commercial vehicles meet an accident while in transit, commercial auto insurance to cover the following incidents:
- Liabilities resulting from damage to another person’s property, injury, or death
- Damage from collision
- Damage from non-collision (e.g., vandalism, theft, and other perils)
- Personal or medical payments of the insured
- Injury or property damage caused by hit-and-run motorists or the uninsured
Apart from these essential policies, Iowa Contractors Insurance can include other kinds of insurance in your plan. We can add bonds or even a business owner’s policy if you are looking to secure your company even further.
Contact us for Remodeling Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
We make insurance simple to understand and easy to purchase. Simply complete our quick quote form or call us at 952-469-0425 today and we will create a remodeling insurance plan for you.