At Harbor Insurance, we understand the insurance needs of Contractors. We represent multiple companies that have excellent insurance products, designed for Contractors, and price them competitively.
Our first goal is to provide suitable Contractors Insurance protection for your business, at the right price.
Our second goal is to provide suitable insurance coverage that will allow you to comply with the many insurance requirements that owners, general contractors, and municipalities now have.
Our understanding and ability to provide the right Contractor Insurance coverage at the right price will help you to compete and win in the marketplace.
We understand the issues of: additional insureds, waiver of subrogation, contractual liability, aggregate limits per project, primary and non-contributory, etc. This is critical in today's complicated workplace.
Your work and insurance coverage are being carefully reviewed like never before. Whether you are doing work as the General Contractor, the Subcontractor, or are hired directly by the consumer, the insurance coverage you have is critical. Common questions your customers want to know are 1)What limits do you have in place? 2)What insurance company provides the coverage and is it an "A" rated company? 3)Are you able to add the customer as an additional insured?
The agents at Harbor Insurance have decades of experience insuring contractors like you. In fact, as an agency, we have been serving south Florida since 1901.
Call Us -or- Fill Out the QUOTE Form on this page to see how we can help protect your business and save you money!
No one can do it better!
Eric Austin, AAI
Contractors Insurance Team Leader
772-461-6040 ext 6410
Click HERE to email me!
The Contractors Program Administrative Assistant is Carolyn Lombardi.
Eric works closely with all of the Harbor Insurance Business Insurance Specialists as well as our 20+ dedicated support team members to provide your Contracting business with the right coverage at the right price!
Let Us Work For You To Review Your Insurance
Harbor Insurance can review your Contractor Insurance needs and advise you on ways to save money on coverages Contractors need. Areas we review include:
- Too Much Insurance: It happens all the time. Contracting Business Owners are busy doing the work to keep their business thriving. Sometimes one can loose track of the coverages they have and if they are still appropriate. We will review your current coverages top make sure you are adequately protected but not over-insured.
- Audits: Contractor Insurance is based on either Sales/Revenue or Payroll. As your business gets slow, you could be paying premiums based on higher estimates. Conversely, if your business is booming, you could be in line for a hefty premium audit at the end of the policy term. It is important to review the liability classification codes and how the policy is rated.
- Other key areas to look at are your Business Auto Policy rating, the way your Workers Compensation policy is structured, whether claims are being handled proactively to get them closed, and the endorsements (which add or take away coverage)currently on your policy.
We provide Contractors with what they need to protect their business, and what their customers require in the contracts you often sign. General Liability, Contractors' Equipment, Workers Compensation, Bid Bonds, Performance Bonds, Property coverage and more!