Contractors

Contractors

From general contractors building new subdivisions near Lake Norman to artisan tradespeople finishing kitchens in Easley, every contractor in the inland Carolinas needs solid commercial insurance. The essential coverage areas include general liability, business property, fire liability, inland marine, umbrella insurance, and a selection of valuable endorsements that can save you both money and headaches.

General liability coverage is your first line of defense when something goes wrong on a job. Maybe a homeowner claims your tile installation caused water damage six months later, or a visitor trips over materials at your work site. These situations happen, and without liability protection, a single lawsuit could drain your business account.

Business property coverage safeguards the tools, materials, and inventory your company relies on every day. Whether it is a shop full of power tools or stock items like custom cabinetry waiting for installation, this coverage makes sure a theft or disaster does not leave you starting over from scratch.

Fire liability coverage matters most to contractors who rent warehouse or shop space. If a fire breaks out in your rented facility and the landlord's investigation traces it back to your operations, this policy covers the structural damage so the cost does not come directly from your business.

Inland marine coverage is one of those policies many contractors in the Charlotte metro and Upstate SC don't realize they need until it is too late. It protects specific pieces of equipment, usually heavy machinery or portable tools, that travel between job sites. Because standard property policies often exclude equipment in transit or at temporary locations, this scheduled coverage fills a critical gap.

Umbrella policies remain the most underused protection available to contractors. They extend your liability limits well past what your general liability or auto policy provides. If a major accident on a Piedmont job site results in damages beyond your base coverage, the umbrella policy absorbs that excess. Without it, your personal assets and business future hang in the balance.

Cornerstone Insurance also provides enhanced endorsements that make doing business easier. Nearly every property owner or general contractor along the I-85 corridor requires a COI (certificate of insurance) before allowing you on site. Our plans include unlimited additional insureds, so issuing those certificates is fast, free, and never holds up your next job.
Ready to protect your contracting business? Contact us today for a no-cost quote.

• Carpenters
• Electricians
• Painters
• Janitorial, Housekeeping
• Landscaping
• Handyman
• Waste Management

Get Your Insurance Quote Today!