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Pennsylvania Contractor Insurance

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General Liability Insurance in PA

Understanding Contractor Insurance in Pennsylvania

PA contractors overseeing construction project

Building your dream business in Pennsylvania requires passion and hard work. As a general contractor in Pennsylvania, you need protection against perils that could otherwise ruin your reputation and business.

But why is general contractor insurance a non-negotiable part of the equation?

Can you risk lawsuits from accidents or unhappy clients?

What about protecting your workers and meeting legal requirements to get started?

Don’t let insurance confusion hold you back.

Get the peace of mind and client trust that comes with proper coverage. 

The best insurance company has the answers to all your doubts.

Having the appropriate contractor business insurance guarantees you protection against risks.

Get your protective shield now so you are insured against all potential risks and liabilities with the best types of insurance options.

Click on the bottom below for an instant quote.

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Is Commercial auto insurance necessary?

Commercial auto coverage is key for Pennsylvania contractors. This insurance protects their fleet of vehicles transporting expensive equipment between construction jobs.

It handles liability claims if drivers cause an accident, provides collision coverage for damage to business-owned trucks or vans, and aids replacement if vehicles are total losses.

With PA’s harsh winters and congested old cities posing risks, having tailored commercial auto insurance prevents work disruptions and legal issues when accidents inevitably occur. 

While these common insurance options are enough to shield a contracting business against risks, some Pennsylvania contractors need inland marine insurance and commercial umbrella insurance.

Table of Contents

Getting The Right Coverage

Types of Business Insurance for Contractors in Pennsylvania

General Liability Insurance for contractors

This is a common policy for general contractors, which is critical to protect your business.

Contracting business owners need general liability insurance to protect them from liability claims of bodily injury and property damage to third parties due to negligence. 

Who’s protected from business liability insurance?
– Clients  
– Public passersby
– Subcontractors

What does contractor liability insurance cover?
– Legal claim expenses 
– Medical payments  
– Settlement payouts
– Reconstruction costs

However, contractor general liability insurance doesn’t cover you against third-party injuries, personal property damage, and lawsuits.

Intentional acts, professional mistakes, pollution, personal property, vehicles, and even criminal acts are excluded. 

This insurance is important but don’t let hidden gaps leave you exposed!

 

Commercial Property Insurance

Covers contractors’ business properties like offices, warehouses, and showrooms in case of damage from fire, natural disasters, vandalism, and other covered perils.

It includes rebuilding costs and lost business income protection.

Errors and Omissions Insurance

Also termed professional liability insurance, this affordable contractor insurance can protect Pennsylvania businesses that offer design-build services and project management consulting from costly claims alleging faulty workmanship, negligence, or project delays.

This liability insurance provides coverage for legal fees and payouts

Builder's Risk Insurance

This contactor business insurance may shield materials and projects under construction from weather damage, fires, vandalism, and more.

Builder’s risk insurance secures building investments for Pennsylvania contractors undertaking new builds and renovations.

Contractor's Tools and Equipment Insurance

This custom insurance policy covers theft, damage, or breakdown of expensive vehicles, machinery, and tools owned by the general contracting company on the construction project site, in transit, and offsite

Workers Compensation Insurance

Pennsylvania requires contractors to have workers comp.

You need contractor insurance to protect injured staff. This insurance is legally required for nearly all Pennsylvania contractors with employees by handling costs like:

  • Ambulance transportation
  • Hospital/rehab facility care  
  • Medical bills
  • Lost wages
  • Long-term disabilities
  • Death benefits

We ensure your worker’s compensation insurance meets Commonwealth statutes and classifications for your contractor payroll size and risk category.

Workers comp can protect you against injury claims on job sites.

Surety Bonds

General Contractor Insurance in Pennsylvania

While not universally mandated, some scenarios where PA contractors may need surety bonds include:

  • Public works projects over $25,000 require payment and performance bonds under the state’s Procurement Code. This guarantees the work.
  • Municipalities occasionally mandate bonds protecting against deficiencies in workmanship quality or project completion.
  • Some private owners ask for construction surety bonds in project contract terms prior to granting the work.
Pennsylvania Contractors Insurance
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Exemptions

Some contractors may be exempt from mandates governing general contract insurance in Pennsylvania, such as:

  • Self-employed contractors with no staff may not be required to carry workers’ compensation insurance by law. However, it’s often wise for financial protection.
  • Certain motor vehicle regulations are exempted for contractor vehicles engaged in actual construction activities and permitting processes.

The intricacies around insurance and bonding regulations in PA further demonstrate why working with a knowledgeable local agency like The Allen Thomas Group pays dividends for contractors seeking proper coverage.

Insurance Solutions Customized For You Contractors

Yes, Getting A Certificate Of Insurance Is Really That Easy

We know how frustrating and complex the process of finding the right commercial insurance can be and how it slow down your ability to take care of your customers especially when you are waiting for bonds or a Certificate of Insurance (COI).

Let us help fix it for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Get Precise Coverage For Your Business In Minutes

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We’ve helped thousands of Pennsylvania Businesses Like You

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WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for your construction business

Get Quick Insurance Quote From The Allen Thomas Group

Running a Pennsylvania construction business without proper insurance exposes owners to financial ruin – from worksite injuries and natural disasters to liability claims exceeding $1 million. Having customized policies shielding your firm is essential.

Construction is listed as one of the top 10 most dangerous occupations, and operating without insurance magnifies contractors’ vulnerability. The right insurance offers protection against liability claims that can ruin business reputation.

The Allen Thomas Group strives to simplify insurance for Pennsylvania builders tackling projects amid: 

  • Strict liability laws  
  • Four-season weather threats
  • Mountainous terrain challenges

The Allen Thomas Group brings over 20 years of experience helping Pennsylvania contractors secure tailored small business insurance that checks all the boxes for compliance and risk protection at competitive rates. 

Our consultants become extensions of your team to tailor affordable coverage, protecting what matters most – your people, equipment, and livelihood. 

Rather than peddling rigid, expensive insurance packages for contractor businesses, our advisors first understand your firm’s needs across unique trades like carpentry, electrical, HVAC, and plumbing before crafting tailored solutions and estimating the insurance cost.

Get the most appropriate coverage for your Pennsylvania contractor insurance policy now.

Pennsylvania contractors count on us for:

 – Objective policy guidance    
 – Alignment preventing costly coverage gaps
 – Proactive advice lowering project dangers
 – Responsive, friendly support when claims arise

Get a certificate of insurance today as proof of insurance you need to shield your business and clients.

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Business Insurance for General Contractors FAQs

Get More Insights On Making The Right Insurance Decision For Your Company

Yes, having proper general contractor insurance in Pennsylvania is critically essential for contractors operating on Pennsylvania job sites due to state regulations mandating workers’ compensation for firms with employees.

Additionally, commercial general liability coverage, though not required, is advisable to protect against costly bodily injury or property damage claims that can exceed $1 million per occurrence. 

The cost of insurance for contractors in Pennsylvania often ranges from $500 to $2,000+ annually, depending on your trade, number of employees, payroll size, and revenue.

Factors like past claims and willingness to take risk mitigation steps can also reduce your premiums.

Liability insurance in PA provides insurance coverage for contractors against third-party injury and property damage claims.

It covers legal defense costs and compensation payouts owed if found legally liable up to policy limits. Minimum limits of $500,000 to $1 million are common.

Licensing requirements for contractors in PA vary by specialty, with some trades needing business licenses and selecting construction classifications mandated to hold Home Improvement Contractor registrations to operate or perform residential work. 

Pennsylvania Department of State – Bureau of Professional & Occupational Affairs: https://www.dos.pa.gov/ProfessionalLicensing/BoardsCommissions/EngineersLandSurveyorsandGeologists/Pages/default

National Association of Home Builders – Pennsylvaniahttps://pabuilders.org/

OSHA Safety and Health Topics: https://www.osha.gov/

SCORE: Free Business Resources: https://www.score.org/

Pennsylvania Department of Labor & Industry – Bureau of Workers’ Compensation: https://www.dli.pa.gov/Individuals/Workers-Compensation/

Pennsylvania Department of State – Bureau of Professional & Occupational Affairs: https://www.dos.pa.gov/ProfessionalLicensing/BoardsCommissions/EngineersLandSurveyorsandGeologists/Pages/default.aspx

National Association of Home Builders – Pennsylvania: https://pabuilders.org/

We Provide Coverage Options For All Trades Listed Below

  • Flooring Contractors
  • General Contractor
  • HVAC Contractor
  • Handyman Services
  • Home Renovation and Remodeling
  • Landscaper
  • Masonry
  • Painter
  • Paving Contractor
  • Plumber
  • Roofing Contractor
  • Sheet Metal Contractor
  • Snow Plowing
  • Steel Erection
  • Utility Contractor

Pennsylvania Cities We Serve

Abington

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Altoona

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Ardmore

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Baldwin

Bensalem

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Hanover

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