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Marianne Cipollone, Insurance Broker

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Why Contractors Should Consider Working with a Business Insurance Broker

For most contractors and tradespeople, winter is downtime or offseason. It’s the time of the year when you get the administrative side of your business in order and start planning for the year ahead. It’s also a great time to explore your business insurance options, review your insurance policy, and make sure you don’t have any gaps in your coverage.

Whether you are a general contractor, sub-contractor, or skills professional in the construction trade who operates a small business, it’s important to have an insurance professional on your side, someone that you can trust – like me, a professional small business insurance broker in Toronto.  

Why Work with an Insurance Broker in Toronto?

Working with an insurance broker is very different than working directly with an insurance company. One of the key distinctions – and a beneficial reason for contractors to work with insurance brokers in Toronto – is that brokers will not only help you assess your specific insurance needs, they will also shop around and explore business insurance coverage options from multiple insurance companies, ensuring you get the coverage you need for your business.

Other reasons to choose an insurance broker include:

·         They will look for opportunities to help you reduce your business insurance premium
·         They act as a resource and will answer all your commercial insurance related questions
·         They are your trusted insurance advisor
·         They are available to help you after your new insurance policy is in place
·         They can help you with insurance claims

Think of an insurance broker as your advisor for all your business insurance needs. They will handle your business insurance, so you can focus on running your business.

Types of Contractor Insurance Coverage

Since every business is different, it’s important to ensure your insurance covers things that are specific to your business – regardless of the tools you use, where you operate your business, if you work at home, or how your business is structured. No two businesses are the same and you should not make assumptions about your insurance coverage.

Contractor insurance coverage is designed to help you reduce and prevent risk to you personally and to your business. There are many different forms of coverage to consider, and the coverage you choose is dependent on your business. Some of the policy options to consider include:

·         General liability
·         Tools/ equipment insurance
·         Builder’s risk insurance
·         Project insurance
·         Contract surety bonds
·         Commercial auto insurance
·         Property insurance
·         Privacy breach insurance

These are only some of the business insurance coverage options for you to consider. Contact me anytime to assess your business insurance needs and help you find a contractor insurance policy.

Need a Business Insurance Broker in Toronto?

Commercial insurance, and particularly, contractor insurance is one of my areas of specialization. Contact me directly to get a free business insurance quote. Together, we will work collaboratively to ensure your business has the necessary insurance coverage. 

Posted: 1/7/2016 12:49:20 PM by Marianne Cipollone | with 0 comments
Filed under: broker, business, commercial, in, insurance, Toronto

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