contractor's insurance

If you work for yourself, away from your business premises, you are an independent Contractor.

Just imagine, you did 2 weeks of work for someone 2 years ago and now you have been served with a writ for damages that you allegedly caused. What damage? Can you even remember whom you were working for? Can you afford a lawyer to fight this for you? Even if you did nothing wrong, the cost of paying for a defense by yourself against a suit or judgement could strip the assets of you and your family!

What about your Homeowners policy? Will it help? Chances are pretty good that it won’t. Just about all Homeowners policies exclude or have severe limitations on losses arising from business related services, or property.

You don’t have to be just in the building trades to face that same situation, as the trend to small businesses and consultants grow. More and more, people who use your services ask for or require that you provide some evidence of protection before they will contract with you. Often this can mean proof of coverage for your Tools and Materials on site, Bonding, or General Liability. SeaFirst can assist you in providing those products which not only satisfy your customers, but which protect your assets.

At SeaFirst we can provide an array of coverage’s and packages for most of the exposures you face. Whether you are a sole operator or employ many crews, SeaFirst can tailor make a package to suit your ongoing operational needs, or provide project specific coverage for larger or unique jobs.

From Office coverage, to Equipment or Tools used on the job, to materials used in estimating or in promotion, SeaFirst can provide coverage to protect your assets and those of your business.

For the Construction trades we can supply large project specialty coverage’s such as Course of Construction or Liability Wrap policies so that you can ensure complete protection of the jobsite, and not rely on your subcontractors, who could cause uninsured problems.

As independent brokers we search the market to negotiate the best coverage at the best price. Call SeaFirst today to discuss the needs of your independent contracting business!