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Understanding Contractor Insurance
Contractor insurance is a crucial safeguard for any professional in the construction industry. It provides protection against potential risks and liabilities that can arise during a project, ensuring that both the contractor and the client are covered. This type of insurance typically includes general liability, workers' compensation, and professional liability, among other coverages. General liability insurance, for instance, protects against claims of bodily injury or property damage that might occur on the job site1.
Why You Need Contractor Insurance
For contractors, having the right insurance coverage is not just a legal requirement in many areas, but also a smart business decision. It helps safeguard your financial stability by covering costs associated with accidents, injuries, or damages that could occur during your work. Without adequate insurance, you could face significant out-of-pocket expenses, potentially jeopardizing your business2.