Skip to content
Click to Call
InsureUS

13026 Cypress N Houston Rd Suite 101
Cypress, TX 77429

Get Directions

Featured Blog

Contractors need liability insurance

Independent contractors are increasingly working at all types of businesses. From plumbing to consulting, companies are seeing the benefits of hiring so-called 1099ers.

Because of their status as contractors, they don’t receive many of the benefits that employers usually provide. One of those benefits is liability insurance. If anything goes wrong while on the job, the insurance can cover it.

According to Insureon, those reasons include:

– Covering lawyer fees and damages if the employer sues over the work provided by the contractor

– Making sure that the employer doesn’t have to pay the costs if the contractor is sued

– Being compliant with statutory requirements

The type and how much insurance is needed varies based on a contractor’s responsibilities. For example, those in construction, or others who work with heavy machinery and tools, may need insurance for bodily injury and property damage.

Those who are contracted to provide advice, such as accountants, financial planners, interior designers and landscape architects, need to be concerned about liability risks, according to Trusted Choice. The company, which works with small businesses on insurance matters, says these contractors need to be covered for losses their clients may have as a result of the contractor’s recommendations.

Contractors who work as caterers should consider insurance for product and liquor liabilities. Trusted Choice notes this covers them if they serve food and alcohol at functions where guests could be injured because of food poisoning, for example.

Contractors who are unsure what kind of insurance to buy should consult with a licensed agent.

Additional Information


Top Renter's Insurance Company in Texas

Archives

Categories

Servicing States

  • Texas

Testimonials


Google Reviews

Partner Carriers

  • Allied Trust
  • Allstate
  • ARI
  • ASI
  • Branch Insurance Exchange
  • Centauri
  • Chubb
  • Clearcover
  • Cover Insurance
  • Cypress Property and Casualty
  • Elephant Insurance
  • Grundy
  • Hagerty
  • Hartford
  • Hippo
  • Homeowners of America
  • Infinity Insurance
  • Jewelers Mutual
  • Jibna
  • Kemper Personal Insurance
  • Lemonade
  • MDOW Insurance Company
  • Mercury Insurance Group
  • MetLife
  • National General
  • Nationwide
  • Neptune Flood
  • Progressive
  • Safepoint Insurance Company
  • SageSure
  • State Auto
  • Swyfft
  • Travelers
  • UPC
  • Velocity
  • Wright Flood