Contractor Insurance

At Meridian Insurance we have the privilege to interact with so many different businesses and people in different stages of their life. We bring our A-game every day to get your insurance needs met by disarming worries in your life. Home contractors and home trades artisans are extremely important and beneficial jobs to everyone, their work is experienced by all. Most people underestimate the preparation and precaution contractors and tradespeople take to keep themselves, their employees, and their businesses safe.

Here at Meridian, we are experts at understanding your circumstances, your worries, and what you care about. Navigating package deals, securing quotes, and comparing companies all to secure the best deal for your choosing. When adding new services or workers to your company it can bring a new list of requirements to be met. Meridian agents are here to make sure all those boxes are checked and you have your insurance just where you would like it. From painters to plumbers, electricians, and more there’s a lot to cover. Luckily it boils down to a group of policies to find the right combination of what your company already has and what your workers need. If you have a company with any type of contractor you likely already have general liability insurance, our agents can ascertain it qualifies for your new needs easily. As the cornerstone for almost any insurance package, general liability quickly leads to commercial auto insurance which protects any vehicles in use for your work. Whatever the road may throw your way, there is no reason to worry with Meridian on your side. This insurance covers a multitude of things, including auto liability, collision coverage, medical payments regardless of fault, uninsured and underinsured motorist coverage, and comprehensive coverage. While on the road you may need inland marine insurance, also known as property in transit assurance, which is a simple guarantee of any goods being transported. Contract and trade work will certainly require the transportation of valuables- building materials, tools, data, etc. This insurance will work for you ensuring whatever it is you may need in your field of work, whether in your work or personal vehicle, is protected. We’ll end off with another standard insurance policy, worker’s compensation to help you provide for the heart and soul of your company. To replace lost wages, cover medical bills, and protect your and your employee’s assets we’ll find the best policy based on your unique workforce.

In such a large market of insurance policies and umbrella coverage, your business deserves the best from the get-go. At Meridian, we strive to bring you a wealth of product information so you can make an informed decision on the best fit for your insurance policy. When you work with an insurance broker you gain an insurance expert on your company’s side, to find policies to fit your business needs at any given point. Call Meridian Insurance in Beaverton for free quotes or a consultation about the benefits your company can claim. Let’s achieve those goals.

As a contractor, you’ve spent time and money building your skills. Whether you’re a project manager for a construction company or a plumber that is an independent contractor you’ve worked hard to get where you are. However, being a contractor means that you are vulnerable to a variety of unique risks. Contractor’s insurance protects you from mishaps that could happen every day. 

There are many different risks that you face depending on the specific work that you do. An employee straining their back or a client injured by a loose nail could lead to thousands in medical and legal fees. An unhappy client could lead to slander or legal action that threatens your livelihood. 

Differences Between Contractor and Artisan Contractor 

A contractor typically oversees large projects, such as commercial building construction. Contractors often oversee more than one project and employ subcontractors to complete parts of the project. 

An artisan contractor is someone that completes skilled work at properties. They may work independently or be employed as a subcontractor. 

Types of artisan contractors include: 

  • Plumbers 
  • Electricians 
  • Roofers 
  • Carpenters 
  • Interior decorators 
  • Landscapers 
  • Masons 
  • Tree surgeon 

Contractors and artisan contractors face different risks. A contractor may need commercial building insurance whereas an artisan contractor may not. A standardized contractor insurance policy could leave gaps in your coverage or result in you paying for more coverage than you require. Whether you’re a contractor or an artisan contractor we can find the coverage that’s right for your unique needs. 

Here at meridian insurance, we work for you, not the insurance companies. We research policies across multiple insurance underwriters so you can rest assured you’re getting the best policy at the most affordable price. 

Call us today!