General Liability
Helps protect your business against certain covered claims involving third-party bodily injury, property damage and other liability exposures.
From your work truck and tools to jobsite liability and employees, contractors face risks that ordinary business insurance may not fully address.
Associates For Insurance Services helps plumbers, electricians, HVAC companies, landscapers, painters, excavators, general contractors and other trades find commercial insurance options throughout North Carolina, South Carolina and Ohio.
Independent guidance · Multiple carrier options · Personal service
Contractors commonly need a combination of general liability, commercial auto, business property or tools and equipment coverage, workers' compensation where applicable, and umbrella or excess liability coverage.
The right combination depends on what work you perform, where you work, the vehicles you use, whether you have employees or subcontractors, your payroll and revenue, the equipment you own, and the insurance requirements contained in your contracts.
That's why contractor insurance should be built around the business rather than selected from a one-size-fits-all package.
Associates For Insurance Services works with a wide range of contractors, skilled trades and service businesses.
Contractor insurance is rarely a single policy. The goal is to understand how your operations, vehicles, employees, property and contracts fit together.
Helps protect your business against certain covered claims involving third-party bodily injury, property damage and other liability exposures.
Coverage for qualifying vehicles used in your business, including work trucks, vans and other business-use vehicles.
Contractors may need protection for tools and mobile equipment used at jobsites or transported between locations.
Helps protect qualifying buildings, contents and business property against covered losses.
Coverage requirements vary by state and business structure. Associates For Insurance Services can assist with commercial workers' compensation options in North Carolina and South Carolina.
Additional liability limits may provide an extra layer of protection over certain underlying policies.
Contractors are busy. We understand that you don't have unlimited time to spend talking to an insurance agent.
But there is a reason we ask about your operations, vehicles, employees, subcontractors, equipment, payroll and jobsites.
The answers help insurance carriers understand what your business actually does and help us prepare more accurate applications.
Associates For Insurance Services is an independent agency. Instead of representing only one insurance company, we can work with multiple carriers and explore options based on the needs of your business.
We start by learning what you actually do rather than assuming every contractor has the same exposures.
As an independent agency, we can evaluate available options instead of automatically placing every client with the same company.
Insurance only helps when you understand what you purchased. We help explain limits, deductibles, exclusions and important policy considerations.
Work trucks and vans are often essential equipment for a contractor.
Your vehicles may carry employees, tools, materials, equipment and supplies from one jobsite to another every day.
The way a vehicle is titled, driven and used can affect the type of insurance that may be appropriate.
We can help review questions such as:
Workers' compensation laws are not identical in North Carolina, South Carolina and Ohio. Business owners should review their specific circumstances with an insurance professional and the appropriate state agency.
In general, employers with three or more employees are subject to North Carolina's workers' compensation requirements, although exceptions and special rules apply.
Associates For Insurance Services can assist qualifying North Carolina businesses with workers' compensation insurance options.
NC Industrial Commission →As a general rule, South Carolina businesses that regularly employ four or more employees are subject to workers' compensation requirements, with statutory exceptions.
Associates For Insurance Services can assist qualifying South Carolina businesses with workers' compensation insurance options.
SC Workers' Compensation Commission →Ohio uses a state workers' compensation system. Employers generally obtain workers' compensation coverage through the Ohio Bureau of Workers' Compensation unless approved to self-insure.
We can still assist Ohio contractors with other commercial insurance needs such as liability, commercial auto and business property.
Ohio BWC →You know your trade. Our job is to ask the right insurance questions and help turn the answers into appropriate coverage options.
Share your contact information and basic details about your company, trade and insurance needs.
We'll learn about your operations, vehicles, employees, subcontractors, equipment, payroll and current coverage.
We'll discuss available insurance options and explain important coverage considerations so you can make an informed decision.
You don't need to wait until something goes wrong to review your business insurance.
Changes in payroll, vehicles, employees, subcontractors, revenue, services or business property can mean your insurance needs have changed too.
Straightforward answers to common questions about contractor and trades insurance.
Whether you're a plumber with one truck, an HVAC company with multiple crews, a landscaper, electrician, painter, excavator or growing contractor, Associates For Insurance Services is ready to learn about your operation and help you explore your insurance options.
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