Contractors Insurance Policies for California

    Our agency has extensive experience working with all types of contractors, and providing construction industry professionals the proper insurance to protect his/her business.  Insurance for contractors may be a confusing area, and one that not all insurance brokers are qualified to assist in.

    Fusco & Orsini Insurance Services has a variety of insurance options for contractors. Our aim is to make sure you spend only what you need to. Some exposures are easy to spot; however, others take time and attention. For example, how does one quantify the potential loss due to an accidental pollution spill, and how is that information properly related to the coverage provided by the insurance policy?  Does your insurance policy contain exclusions that will cause coverage to be declined? Are general contractors requiring specialized certificates of insurance, and does your policy adequately provide the necessary coverage to satisfy these contractual demands? What are your bonding needs? Are you properly protected from a claim arising from rented equipment? These are just a few of the questions our insurance experts are trained to ask.Fusco & Orsini Insurance Services identifies exactly what your needs and exposures are.

    We have designed a survey form, just for contractors, to make sure that we do a thorough job of discovering all of the exposures so your business is protected properly.  Please contact us, as we will take the time to complete the survey, and then provide recommended policies and prices. 

Through Our Contractors Insurance Programs, We can Provide :

• Workers Compensation-covers employees for any injury sustained at work. Normally, contractors must have this insurance by law, even if you are the sole 'employee' of your limited company

• General Liability-also known as “general” or “product” liability insurance. It covers your company against third party claims. It will also cover you if you accidentally damage property at your client's site.

Inland Marine-Contractors may also be interested in covering their tools, equipment, computers and office contents.

Other Products Include - Commercial auto (including hired auto, non-owned auto and symbol 1/any auto coverage), Professional Liability, Commercial Property, Surety Bonding, and many more.

Contact Fusco & Orsini Insurance Services today to ask about which Contractors Insurance options may be right for you.