Like any business, independent contractors need insurance to protect themselves financially. What type of insurance you need depends on the type of work you do. Some types of independent contractors include the following:

• Independent construction contractors
• Freelance writers, editors and graphic designers
• Repair people, plumbers, carpenters, electricians, painters
• Accountants and financial planners
• House and carpet cleaners
• Independent hair stylists and salon professionals

Contractors are like any business. You need property and general liability insurance to minimize the basic financial risks of running a business. Additionally, contractor insurance includes coverage designed for specific industry risks. Our agency can find a customized policy that includes coverage most suitable to you.

If you are hiring contractors, you want them to have contractor insurance. Insurance you carry as a business or homeowner may not protect you from liability for a contract worker. This can expose you to lawsuits if a worker gets injured at your business or home.