Iowa Contractors Insurance

Central States Agency, LLC has more than a decade of experience in providing contractors general liability insurance and other coverages vital to contractors, including builders risk insurance, commercial auto coverage, and insurance for tools and equipment. Iowa Contractors insurance can be confusing at times, but together we can find solutions to address your coverage requirements. We work with a number of companies and can provide you with the appropriate insurance based on your expressed needs and budget. 

Contractors Insurance Coverages in Iowa

• General Liability Insurance - This liability insurance will protect you from most claims that would arise from day to day activities. This includes the activity of running a business and the type of accidents that would occur at a job site.
• Tools and Equipment - Hand tools are normally covered on a blanket basis with no list or schedule. Equipment insurance will protect your larger tools and equipment such as welders, generators, nail guns and other expensive portable equipment.
• Builders Risk - Physical damage insurance for property under construction. Lenders will require it before issuing construction financing. They will usually require this coverage before funding remodeling projects, as well, and some policies can be endorsed to include the structure being remodeled also.
• Workers' Compensation - Contractors are responsible for providing this coverage for employees but may also have the exposure because of subcontractors who have not provided workers' compensation insurance for their employees. This exposure can be avoided by insisting that subcontractors carry appropriate workers' compensation insurance.
• Business Auto Insurance - Personal auto policies exclude autos used for Commercial and Business purposes and would therefore require coverage on a policy designed for such use. If you use your automobile in business, be sure you have the correct policy and coverage is not excluded.

At Central States Agency, LLC, we have agents that will work with you to understand your risks find solutions to address your insurance coverage requirements. Contact us to find out more about your contractors insurance in Buffalo Center, Iowa including the Algona, Forest City, Lake Mills, Swea City, and Thompson areas.