--- title: Get the Right Contractors Insurance to Protect Yourself From Catastrophic Risks description: Learn more about contractors insurance coverage and what kinds of insurance are encouraged for contractors. --- # Get the Right Contractors Insurance to Protect Yourself From Catastrophic Risks ## Get the Right Contractors Insurance to Protect Yourself From Catastrophic Risks - Posted on Friday, December 1, 2023 If you have any type of West Virginia contracting business, you could be vulnerable to claims that could cause serious financial damage — enough to put you out of business. You can help protect yourself from these risks with contractors insurance. Read on to **Contracting Businesses Are at High Risk of Liability Claims** Contracting work has inherent risks that many other businesses do not. If you make a mistake in your work, a client could get hurt as a result or their home may wind up damaged. A tool carelessly left on your job site could cause an injury to a passerby. If someone claims you are liable for their injury, they could sue you or ask for a financial settlement to cover medical bills and property damage. Without liability insurance, you’d have to come up with this money on your own, which most contracting businesses cannot do. **How Liability Insurance Protects Contractors** Contractors liability insurance was created to keep you from having to pay enormous damages that would decimate your business. It covers court-awarded judgments, financial settlements, legal fees, court costs, and other related expenses in liability claims. You can also purchase specialized liability insurance, such as: - Errors and omissions insurance in case a mistake results in damages or injury - Employment practices insurance to cover allegations of discrimination, wrongful termination, or harassment - Directors and officers insurance for larger companies whose leaders’ mistakes carry serious consequences Your general liability insurance policy has a cap on what it will pay out. You can increase that limit with commercial umbrella insurance that kicks in when you reach the maximum on your general liability policy. **Who needs contractors insurance?** Many types of contractors and subcontractors need contractors insurance, including: - General contractors - Remodelers - Handypersons - Carpenters - Electricians - Plumbers - HVAC specialists - Roofers - Landscapers - Excavators - Framers - Swimming pool installers - Window and door specialists - Drywallers - Painters and wallpaper hangers - Chimney specialists and masons - Concrete pourers - Plasterers - Tile specialists - Garage builders - Porch, patio, and deck builders **What Other Kinds of Insurance Should Contractors Carry?** While liability should be your biggest insurance concern as a contractor, there are other types of insurance we recommend for your field: - Property insurance for your business premises, equipment, and tools - Commercial auto coverage for vehicles used in your contracting work - Cyber insurance in case of data breaches, ID theft, or hacking - Loss of income insurance if events outside your control prevent you from operating - Workers compensation in case an employee is injured on the job - Inland marine coverage if you transport valuable items that belong to others - Bonds for when your promise to complete a job is on the line **Our Independent Agents Can Customize Your Contractors Insurance** At Wickline Insurance, we tailor insurance policies that are unique to each contracting business because your company is not the same as others. Because we’re independent agents, we have a wide range of contractors insurance products and offer personalized service you won’t find with big insurance companies. Call us at 304-252-1483 to learn how your contracting business can be protected by the right insurance coverage, or start your policy online now. ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/quotes) ## Connect Online - [Facebook](https://www.facebook.com/WicklineInsuranceAssociates) - [Yelp](https://www.yelp.com/biz/wickline-insurance-associates-beckley-4) ## Testimonials You don't have to take our word for it. Check out what our customers say about us. [View Testimonials](/testimonials) **Start your quote online or contact our office to find out how we can help you find a policy that fits your needs.** [Start Your Quote](/quotes) ```json {"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.wicklineinsurance.com/blog/2023/get-the-right-contractors-insurance-to-protect-yourself-from-catastrophic-risks#blogposting","url":"https://www.wicklineinsurance.com/blog/2023/get-the-right-contractors-insurance-to-protect-yourself-from-catastrophic-risks","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.wicklineinsurance.com/blog/2023/get-the-right-contractors-insurance-to-protect-yourself-from-catastrophic-risks#webpage"},"headline":"Get the Right Contractors Insurance to Protect Yourself From Catastrophic Risks","datePublished":"2023-12-01T08:00:00Z","dateModified":"2025-03-27T13:47:46Z","description":"Learn more about contractors insurance coverage and what kinds of insurance are encouraged for contractors.","author":{"@type":"Organization","@id":"https://www.wicklineinsurance.com/#organization","name":"Wickline Insurance"},"publisher":{"@type":"Organization","@id":"https://www.wicklineinsurance.com/#organization","name":"Wickline Insurance"}},{"@type":"Organization","@id":"https://www.wicklineinsurance.com/#organization","url":"https://www.wicklineinsurance.com/","name":"Wickline Insurance"},{"@type":"WebPage","@id":"https://www.wicklineinsurance.com/#webpage","url":"https://www.wicklineinsurance.com/","name":"Get the Right Contractors Insurance to Protect Yourself From Catastrophic Risks","description":"Learn more about contractors insurance coverage and what kinds of insurance are encouraged for contractors."},{"@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/blog","name":"Blog"}},{"@type":"ListItem","position":2,"item":{"@id":"/blog/2023/get-the-right-contractors-insurance-to-protect-yourself-from-catastrophic-risks","name":"Get the Right Contractors Insurance to Protect Yourself From Catastrophic Risks"}}]}]} ```