When you work as a general contractor, it comes with a decent list of risks associated with it. For insurance agents, this provides a large amount of opportunity to find appropriate coverage to give contractors the confidence to do their work knowing they and their teams are protected should the worst happen. To serve the various industries that employ general contractors, Normandy Insurance Services now offers General Liability or General Liability/Workers’ Compensation packages to suit them.

Program Details

• General Liability:
• 3 years loss runs or professional experience (resume required)
• Minimum Premium - $750
• Roofers - Licensed, 3 years experience, MP $2,000
• Workers’ Compensation:
• 4 years loss runs or professional experience (resume required)
• Minimum Premium - $5,000
• Roofers - 4 years prior coverage, $350,000 payroll, MP $20,000
• Loss-Free Credits available
• Employers Risk Management Association bronze membership included for FREE
• A-rated paper

Although bodily harm most readily comes to mind when we think of workers’ comp, general liability insurance defends against third party liability claims. Additionally, even less obvious is the defense against the harm done to a business’s reputation from slander or libel along with advertising injury like copyright infringement.

Workers’ compensation doesn’t seem as important for many sole proprietors, and it may not be necessary to run your business. However, it’s not unwise to protect yourself from the massive costs of medical bills and loss of work should you get hurt on the job. Have employees? Then workers’ compensation is a no-brainer.

Though the list is broad, here is a sample of the contractor industries we can cover:

• Concrete Work
• Drywall
• Excavation
• Flooring
• Fencing
• Iron & steelwork
• Landscaping
• Masonry
• Painting
• Septic tank installation
• Solar installation
• Framing
• Stonecutting

Agents, please reach out to Normandy Insurance if you have clients in need of general liability and workers’ compensation packages. You can send submissions to applications@normandyins.com or find and complete an application online here.

Learn about becoming an agent: Becoming An Agent | Email Us: info@normandyins.com | Call Us: 1-866-688-6442