Our team is highly experienced in all aspects of the construction industry, including specialty trades. We can help you find the right policy to address your unique needs, manage your risk, and ensure your business is protected. Industries we design insurance plans for:
• HVAC • Electricians • Plumbers
• Fire Sprinkler Techs • Pipe Fitters • Steam Fitters
• Landscapers • Carpenters • Painters
• Concrete Pourers • And More!
Possible Insurances for Your Specialty Contracting Business
General Liability
General Liability is essential insurance coverage that protects your business in the event that you are held liable for third-party injury or property damage. Small injuries from something like dropping a tool and hurting someone or a job site accident that damages someone’s car parked nearby – the range is large and the coverage pays for expenses associated with the incident including medical fees, and damages. Coverage is provided regardless of your case outcome.
Workers' Compensation Insurance
If you have one or more employees that you pay, it is important to have Workers’ Compensation Insurance. This insurance protects your company from litigation in the event of a workplace accident that results in injury or death by covering medical fees and lost wages.
Commercial Vehicle Insurance
Any vehicle type or size that you use for your business should be insured with Comercial Vehicle Insurance. To prevent a total loss, it is important that you have coverage for both accident-related incidents and also collision and non-collision damages.
Commercial Property Insurance
Wherever you run your specialty contracting business from, including offices, warehouses, etc., must have Commercial Property Insurance. It is important because it can prevent a total loss from things such as fire, theft, flooding, and wind. This type of insurance covers any physical losses on/in your commercial property such as tools, equipment, furniture, computers, and more.
Builders' Risk Coverage
There is an inherent risk in any construction or contracting project and unfortunately, sometimes accidents happen or mistakes are made. For this reason, it is essential that specialty contractors carry Builders’ Risk Coverage which protects both you and your business from unanticipated losses before a project is finished.
Inland Marine
Most specialty contractors will have to order parts, or other goods as well as transport them to the job site. While those goods are in transit or in the process of being transported, Inland Marine insurance protects them to ensure that you don’t have a total loss in the event of things like an accident or theft.
Umbrella Insurance
Umbrella Insurance is a supplemental form of insurance that pays for losses after your primary insurance coverage maximum has been reached. If you have debt beyond what something like your commercial auto insurance or general liability insurance covers, Umbrella Insurance will pay to its policy limits to prevent you from having to pay out-of-pocket.
Professional
Even the most experienced and knowledgeable specialty contractors make mistakes from time to time. Whether you mishandle a plumbing job, masonry work, or a flooring installation, if you are held liable for your mistakes, Professional Insurance protects both you and your business from civil litigation from accused negligence. Additionally, Professional Insurance protects you from having to pay potential damages related to a civil lawsuit for which you are found negligent. In the event legal actions are deemed groundless, this insurance may also include defense costs.
Pollution
Specialty contractors often use various chemicals or products that are considered environmentally hazardous. If an accident or spill occurs that results in environmental damage. injury, or death, Pollution insurance pays for medical expenses and damages. It also pays for brownfield restoration and cleanup if needed.
Cyber Insurance
Most specialty contractors use an online database or software to store client information, invoice clients, etc. which means sensitive information is stored. Cyber Insurance provides coverage if a cyber breach such as hacking, data destruction, extortion, theft, or denial of service attack occurs.
Employment Liability Insurance
If you have one or more employees, it is important to have Employment Liability Insurance. This coverage protects you and your employees in the event that an employee is injured while on the job and it is not covered by Workers’ Compensation Insurance. This type of coverage may also be bundled with Workers’ Compensation Insurance.
Protect Your Business
We have extensive industry knowledge and experience that enables us to have a unique understanding of a contractor’s business, risk exposures, and insurance needs. Let us help you find the proper insurance coverage for your unique needs. We will work with you to develop a risk reduction system that improves workplace safety and provide clients with helpful tools and solutions, including:
• 24/7 Access to Certificates of Insurance in our online portal.
• Access to a library of Safety Infographics and Report Sheets.
• A dedicated place to log OSHA incidents.
• Access to a Best Practices Safety Database
• Safety Videos to streamline and optimize new employee training.
Our Solutions
With modern day solutions to everyday problems, we offer:
Proof Of Insurance
24/7 digital proofs of insurance through our online portal. `
Risk Management Materials
We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.
Apply Online
Online quick apply small contract bonds for up to $400,000
Great Support
Unwavering employees, dedicated to helping you find a unique solution to your problem.
Our Beliefs
We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.
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