Contractors Insurance in Spokane, WA

Are you searching for Contractors Insurance in Spokane, Washington? At Associated Agents Group, we understand that as a contractor in Spokane, your work is dynamic, hands-on, and often unpredictable. Whether you’re building homes, remodeling spaces, or managing large-scale construction projects, your focus is on delivering quality craftsmanship. That’s where we come in—to handle the contractor insurance details so you can stay focused on what you do best.

Contractors Insurance in Spokane

We know Spokane isn’t just another city on the map; it’s home. With its thriving construction scene, from historic renovation to modern development, your role in shaping the community is essential. And just as you build trust with your clients, we’re here to build trust with you—by offering contractors insurance solutions tailored to your specific needs.

Our team works one-on-one with contractors in Spokane just like you to navigate the complexities of insurance. From general liability insurance for contractors and workers’ compensation for contractors to equipment insurance and builders risk insurance, we ensure you have the protection you need for every project, big or small. And we do it with transparency, advocating for you at every step so you can feel confident that your business is covered, no matter what surprises arise on-site.

You won’t get cookie-cutter solutions here. We sit down with you, get to know your business, and craft insurance plans that work as hard as you do. Whether you need commercial auto insurance for contractors, contractor bonding insurance, or professional liability insurance, we’ll make sure you’re set up for success, providing peace of mind while you’re busy getting the job done.

We’re your partner in coverage—always here to support you through the building process. So let’s connect, talk through your needs, and make sure you’re covered. Because at the end of the day, we want to help you build Spokane while we protect what you’ve worked so hard to create. Trust us for your contractors liability protection and construction business insurance needs, and let’s keep your projects moving forward safely and confidently.

What’s Covered?

What does Contractors Insurance in Spokane, WA Cover?

Contractors insurance in Spokane, WA typically covers several key areas:

General Liability Insurance: Protects contractors against claims of property damage or bodily injury that may occur during a project.
Workers’ Compensation: Covers medical expenses and lost wages for employees injured on the job.
Equipment Insurance: Insures tools and equipment from theft, damage, or loss on-site.
Builders Risk Insurance: Protects construction projects from risks like fire, vandalism, or severe weather.
Commercial Auto Insurance: Covers vehicles used for business purposes, including accidents and damage.
Professional Liability Insurance: Protects against claims of negligence, errors, or omissions during a project.
Contractor Bonding Insurance: Provides financial protection for clients in case the contractor fails to complete the project or meet contractual obligations.

These coverages ensure that contractors can protect their business, employees, and clients from unexpected risks, providing peace of mind while working on projects throughout Spokane.

Contractors Insurance FAQ

Common Contractor’s Insurance FAQ’s

What is contractors insurance?

Contractors insurance is a specialized type of coverage designed to protect contractors from financial risks associated with construction projects. This includes protection against property damage, bodily injury claims, employee injuries, equipment loss, and more.

Why do contractors in Spokane need insurance?

Contractors in Spokane face various risks on job sites, such as accidents, property damage, and equipment theft. Insurance helps cover the costs of these incidents, protecting your business and ensuring compliance with local laws and client requirements.

What does general liability insurance cover for contractors?

General liability insurance protects contractors from claims related to property damage or injuries to third parties. For example, if a client’s property is damaged during construction or a bystander is injured, this coverage helps cover the costs of lawsuits or settlements.

Is workers’ compensation insurance required for contractors in Washington state?

Yes, Washington state requires contractors to carry workers’ compensation insurance for their employees. This coverage provides medical benefits and wage replacement for workers who are injured on the job.

How much does contractors insurance cost in Spokane, WA?

The cost of contractors insurance varies based on the size of your business, the types of projects you work on, and the specific coverage you need. It’s best to get a personalized quote to understand your specific costs.

What is builders risk insurance?

Builders risk insurance protects ongoing construction projects from risks like fire, vandalism, and weather-related damage. It covers the project materials, structures, and equipment during the construction process.

Do I need professional liability insurance as a contractor?

Yes, professional liability insurance is recommended for contractors to protect against claims of negligence, design errors, or mistakes in your work that result in financial loss for your client.

How do I know which types of insurance I need as a contractor?

The types of insurance you need depend on the scope of your work, whether you have employees, and the risks associated with your projects. Working with an insurance agent experienced in contractors insurance will help tailor the right coverage for your business.

Can I bundle different insurance policies?

Yes, many contractors choose to bundle general liability, workers’ compensation, commercial auto, and equipment coverage into a comprehensive package to save on premiums and streamline their insurance needs.

How do I get a quote for contractors insurance in Spokane?

To get a personalized quote, contact Associated Agents Group in Spokane. We’ll assess your needs, explain coverage options, and help you find the right plan for your business.

Who Generally Needs Contractors Insurance?

There are many types of independent contractors who may need an independent contractors liability insurance policy or some other tupe of coverage that’s tailored to their unique risks, including: