Coverage Options

The Need For A Variety Of Insurance:

We can help established contractors that qualify under all of the stipulations listed on the specific contractors pages with Commercial General Liability, Business Property, Commercial Auto, Workers Compensation, and NYS DBL/PFL insurance. Based on your needs we will work together to select insurers among the many companies we work with. Contact us so we can custom design an insurance package for this need at insurance@drickardinsurance.com or 607-843-8860.

Note: Not all options are available from every insurer.

An incomplete list of coverage options to select from includes the following:

Liability Coverage

Business Liability (Ranging from $50,000 per occurrence coverage to into the millions)
Completed Products and Operations Liability
Personal & Advertising Liability
Fire Legal Liability
Medical Expense Reimbursement
Employment Practices Liability
Employee Benefits Liability
Hired Auto Liability
Non-Owned Auto Liability
Property Damage Liability
Electronic Data Liability
Additional Insureds (Specifically Named)
Additional Insureds (Blanket)
Customers Goods
Property of Others
Installation Floater

NOTE: A building on your residence premises may be excluded from your homeowners insurance. In this case building coverage may be arranged in a contractors package of insurance.

Property Coverage

Building Coverage
Business Personal Property Coverage
Tools Coverage
Equipment Coverage
Communications Equipment
Property at each covered job site
Property in transit
Property at a temporary storage location
Non-Owned Tools and equipment (for when you need to rent a special tool or equipment item)
Employees Tools
Miscellaneous Property Coverage
Computer Coverage
Down Hole Coverage
Money, Securities or Credit Card Slips
Counterfeit items (Money, Money Orders, Credit Card)
Employee Dishonesty
Accounts Receivable
Debris Removal
Employee Dishonesty
Money & Securities
Valuable Papers and Records

Often times more that the basic insurance coverage is required to satisfy contracts to get jobs. Even more importantly you probably need some, if not all, of these types of insurance protections for yourself, your business, and your family.

Other Coverage

Pollution
Equipment Breakdown
Equipment Rental Reimbursement
Builders Risk
Loss of Earnings
Identity Theft
Bonds
Life
Disability
Retirement
Health
Dental
Optical
Workers Compensation
New York State Disability
Paid Family Leave
Business Auto

Please contact us for a description of what each coverage item offers as this differs by insurer and policy. insurance@drickardinsurance.com or 607-843-8860