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Coverage Options
List of Contractors
Coverage Options
FAQs
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.
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Note: Not all options are available from every insurer.
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An incomplete list of coverage options to select from includes the following:
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Liability Coverage
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Business Liability (Ranging from $50,000 per occurrence coverage to into the millions)
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Completed Products and Operations Liability
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Personal & Advertising Liability
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Fire Legal Liability
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Medical Expense Reimbursement
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Employment Practices Liability
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Employee Benefits Liability
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Hired Auto Liability
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Non-Owned Auto Liability
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Property Damage Liability
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Electronic Data Liability
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Additional Insureds (Specifically Named)
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Additional Insureds (Blanket)
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Customers Goods
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Property of Others
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Installation Floater
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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.
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Property Coverage
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Building Coverage
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Business Personal Property Coverage
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Tools Coverage
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Equipment Coverage
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Communications Equipment
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Property at each covered job site
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Property in transit
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Property at a temporary storage location
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Non-Owned Tools and equipment (for when you need to rent a special tool or equipment item)
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Employees Tools
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Miscellaneous Property Coverage
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Computer Coverage
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Down Hole Coverage
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Money, Securities or Credit Card Slips
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Counterfeit items (Money, Money Orders, Credit Card)
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Employee Dishonesty
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Accounts Receivable
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Debris Removal
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Employee Dishonesty
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Money & Securities
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Valuable Papers and Records
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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.
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Other Coverage
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Pollution
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Equipment Breakdown
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Equipment Rental Reimbursement
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Builders Risk
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Loss of Earnings
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Identity Theft
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Bonds
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Life
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Disability
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Retirement
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Health
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Dental
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Optical
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Workers Compensation
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New York State Disability
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Paid Family Leave
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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
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New York State
