As a contractor, each job you win brings in extra money but it also brings extra risk. An accident could cause injuries or damage to property leading to a financial loss that can potentially overwhelm your business with financial liabilities.
And the same contractors insurance you used to protect you for a one-man project may not protect you during a multi-year commercial deal.
Protection for large and small projects
Because every business is different, commercial insurance solutions for New Mexico contractors can range from a basic policy to a thorough mix of coverages that vary depending on the project.
Also, the type of contracting business you own, size, number of employees, and type of work all have an impact on the types of protection you may need.
Reynolds & Rodar Insurance Group Inc. understands the fact that you need to stay focused on the work, not the risks you face every day. So we work with the best carriers of commercial insurance solutions that can help you meet the needs of your business, and put your mind at ease.
Who Needs Construction Insurance?
Any person or business working in construction trades: building construction, heavy construction or home improvement. We offer coverage for every New Mexico trade, including:
- Contractors Insurance
- Carpenter Insurance
- Plumber Insurance
- Handyman Insurance
- Electrician Insurance
- Masonry Insurance
- Security Company Insurance
- Home Builder Insurance
- Developer Insurance
- Renovation Insurance
- Welding Insurance
- Artisan Insurance
- And more…
Insurance keeps working, even after the job is done
Even when the job is finished, there is plenty more work to be done. You may have connected the final fixtures, flipped the switch, and handed over the keys, but the potential liability from your work goes on.
Reynolds & Rodar Insurance Group Inc. insurance keeps protecting you from any accidents or faults that may allegedly result from work you’ve overseen or performed. In the trades, you need a solid contractor insurance policy that keeps working to protect you long after you have moved to the next job site.
What insurance should you have as a contractor?
The list of coverage areas that need to be addressed in your contractors insurance include:
- Property in transit covering equipment, and losses to goods stored (on or off your premises), or being transported to or from your premises.
- Workers Compensation can replace lost wages, pay medical treatment, as well as protecting your business assets should an employee suffer injury
- Trucks and other commercial vehicles to pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.
- Errors and omissions covering any claims for negligence or other mistakes resulting in a loss to the customer during business activities
- Pollution Liability
If your contractors insurance misses any one aspect of this protection, your job and your company could be at serious risk.
The Reynolds & Rodar Difference
We help you understand what you are buying.
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
Click on the quote request button now and let the professionals at Reynolds & Rodar Insurance Group Inc. help you forge the strongest shield possible to help you protect the things you care about most.