Insurance products offered by United Insurance ARE NOT deposits of United Bank, ARE NOT insured by the FDIC or any other federal government agency, and ARE NOT guaranteed by the bank.
Why Commercial Insurance Matters for Contractors
As a contractor, your business is built on precision, deadlines, and trust. Every job site brings its own set of risks—from equipment damage to employee injuries to unforeseen legal disputes. That’s why having the right commercial insurance isn’t just a smart move—it’s an essential part of doing business.
- Risk Is Part of the Job
Whether you’re a general contractor, electrician, plumber, or operate heavy machinery, risk is built into the work. Equipment can break down. Materials can be damaged. Accidents can happen. Commercial insurance helps protect your business from the financial fallout of these everyday challenges. - Liability Coverage Protects You from Lawsuit
If someone is injured on your job site—or if your work inadvertently causes damage to a client’s property—liability claims can be costly. General liability insurance covers legal expenses, medical costs, and damages, helping you avoid a major financial hit that could threaten your business. - Many Contracts Require It
Increasingly, commercial clients and project managers require proof of insurance before signing contracts. Carrying adequate coverage—such as general liability, workers’ comp, and builder’s risk—demonstrates professionalism and responsibility. It also ensures you don’t miss out on lucrative job opportunities due to lack of coverage. - It Safeguards Your Tools and Equipment
Your tools and equipment are the backbone of your business. Commercial property insurance and inland marine policies help cover the cost of repair or replacement in the event of theft, fire, vandalism, or accident—on or off the job site. - Employee Protection and Compliance
If you have employees, workers’ compensation insurance is not only a legal requirement in most states—it’s also a sign that you value your team’s safety. It covers medical expenses and lost wages if an employee is injured on the job. - Peace of Mind to Focus on What You Do Best
At the end of the day, insurance provides something that’s hard to measure but incredibly valuable: peace of mind. Knowing you’re covered lets you focus on your projects, your clients, and growing your business—without constantly worrying about what could go wrong.
Key Coverages to Consider:
- General Liability Insurance: Covers third-party bodily injury and property damage—essential for any job site.
- Workers’ Compensation: Required in most states, it protects your employees in the event of work-related injuries.
- Commercial Auto Insurance: Covers vehicles used in your business, whether it’s hauling materials or transporting crews.
- Tools and Equipment Coverage: Protects valuable gear and machinery against theft, loss, or damage.
- Builders Risk Insurance: Ideal for new construction or renovations, this covers property under construction against fire, vandalism, and certain weather-related events.
Let's Build Confidence Together
Your business builds the infrastructure and comfort of our communities. Let United Bank Insurance help you build a foundation of protection and peace of mind. Reach out to one of our commercial insurance agents today to review your coverage or explore custom options that fit your growing needs.