Mechanical Contractor Insurance

Mechanical contractors can play various roles in the life of a building project, but each one is critical. Whether you are part of the initial design, production and installation, or you focus on maintenance and repair, the work is vital. Also vital is a well-designed mechanical contractor insurance program that addresses the needs of your business.

Mechanical contractor insurance designed for your unique business

A business owners insurance policy is often the foundation for a solid mechanical contractor insurance program. Also known as a BOP, it usually includes general liability insurance and commercial property insurance. General liability insurance offers financial protection should your business cause bodily injury or physical damage to a third party. It may also pay for legal costs associated with defense. Commercial property insurance covers your business' office, storage, workshop, materials, equipment, and other business property.

Additional liability protection—just in case

No one plans on mistakes or errors when they are working on a job. However, they still can happen. Errors and omissions insurance, sometimes called professional liability or E&O, provides coverage in the event it is alleged that you made an error in your work. This policy can help pay for legal defense and damages awarded.

Mechanical contractor insurance for a business on the move

As a mechanical contractor, you and your crew are likely moving from location to location. Depending on your operation, you may have just a few vehicles or a large fleet of vans and trucks. Regardless, you need business auto insurance to protect your business. If one of your vehicles is involved in a collision, business auto insurance may pay for bodily harm or damages you are held liable for. You can also purchase coverage that pays for physical damage to your own vehicles. If your employees use personal vehicles to travel to job sites or you sometimes rent larger vans or trucks, consider obtaining hired and non-owned auto insurance to protect against additional risks.

Your equipment and supplies carry risk, too

Mechanical contractors require specialized tools and equipment, as well as supplies, which must be transported from a warehouse, office, or storage facility to the work location. If they are damaged, lost, or stolen while en route, inland marine insurance may help cover the cost of replacement or repair.

Cover your work even after the job is complete

Completed operations insurance offers protection after your work on the project is done. For example, it typically provides coverage for accusations of negligence that results in injury or property damage, as well as breach of contract. Attorney fees, court costs, and awarded damages are generally covered. Completed operation insurance is often included in a general liability policy, but it is always a good idea to double-check.

Cover risks associated with the business side of your operation

Mechanical contractors, while in a unique industry, are still a business. Therefore, they require some business insurance policies that are necessary across industries. For example, workers' compensation insurance is required in most locations, but it is especially important for mechanical contractors, as there is a higher risk that your employees could be injured on the job. Additionally, cyber liability insurance may help pay for costs associated with a cyber hack or data breach.

Reach out to our team when you are ready to review options. to find out how we can help you find the right mechanical contractor insurance for your business.

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