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...state professionals who operate independently, manage multiple properties, or ...r specific coverage extensions for independent contractors, ensuring they are protected wh...

... Insurance program designed for independent truckers, owner-operators, and sma...g fleets, and motor carriers using independent contractors or leased drivers. Does the pro...

...ar service-based professionals. Independent contractors working under the dire...age for an additional premium. Can independent contractors be covered?Yes, independent contractors are covered as long as they are...

...This program is well-suited for independent contractors, owner-operators, and small to mid...

...es Coverage that extends to independent contractors through the “Insured” ...s definition of “Insured” includes independent contractors, providing broader protection f...

Common Exclusions Please note, coverage does vary by insurer and it will include additional exclusions other than the examples below. It would be best to thoroughly review your policy to know exactly what your policy does and doesn't cover. Damage to Your Work - Usually, commercial general liability policies exclude coverage for property damage to your work. Damage to Your Product - Commercial general liability policies will not cover property damage to your product. Contractual Liability - Commercial general liability policies exclude coverage for bodily injury or property damage that you are obligated to pay because you assumed liability in a contract or agreement. Recall of Products, Work, or Impaired Property - Commercial general liability policies will not pay the cost to recall faulty products, work, or impaired property. You do have the option to add this coverage to the policy by endorsement for an additional cost. Workers' Compensation and Employer's Liability - Commercial general liability policies don’t provide coverage for workers' compensation, or employer's liability. There may be other exclusions that apply on a local level to the Almont, MI and surrounding areas. Who needs business insurance? In a word – every business! If you are a white collar professional (consultant), or run a business, a contractor, or small business owner, you need some form of general liability protection to safeguard your business. A single accident could result in a costly lawsuit. A general liability insurance policy is a great way to protect your business. You want to make sure you have liability coverage that matches your level of exposure. Some employers or clients might require you to carry a certain amount of general liability before you can work for them. To learn more from our experts in the Almont, MI and surrounding areas, get in touch with us. What does it cost? It’s difficult to come up with any tangible estimate as it varies greatly based on the coverage you need, type of business, revenue earned, exposure profile of the business; what other additional policies you have, etc. But, by way of example - let's take a small marketing services firm (office workers), that has 5 employees (including one owner - 100%). All the employees work indoors, do not use their cars for work purposes, no goods to move, has a company informational website (but no real cyber liability exposure), has clients than typically pay about $20,000 per year in fees to the firm. The firm needs $1M million in coverage and $2 million in aggregate coverage. A firm such as this can expect to pay somewhere between $500 and $2,500 a year in general liability insurance coverage. This is an example only - actual costs will vary. Your state, local county regulations and rule could affect the costs of insurance. To learn more from our experts in the Almont, MI and surrounding areas, get in touch with us.

... Insurance program designed for independent agents and brokers seeking access ... General Liability, Builders Risk, Contractors Pollution Liability, Excess/Umb...

... Insurance program designed for independent agents and brokers seeking access ... General Liability, Builders Risk, Contractors Pollution Liability, Excess/Umb...

...ense instructors who work on an independent contractor basis training individu...