Environmental Contractors Insurance
Insurance for Environmental Contractors
As an Environmental Contractor, your business navigates many risks and exposures. Fortunately, Bone Robertson & McBride has over 49 years of experience helping businesses like yours.
Using our knowledge, dedication and reliable relationships with “A” rated by A.M. Best carriers, our staff will work with you to determine your specific insurance needs and assemble a tailored insurance plan.
Our team offers extensive options to help protect your business’s future, including the following featured coverages.
Environmental Contractors are often tasked with managing hazardous materials and complicated situations while adhering to various regulations. Even everyday operations could bear significant potential for liability issues. Fortunately, we’re here to help with multiple liability program features, including:
- Third-Party Bodily Injury
- Third-Party Property Damage
- Personal and Advertising Injury
- Per Project Aggregate
- WRAP/OCIP compliance assistance
Pollution Liability
Employers in the environmental contractor industry must account for various risks and exposures related to pollution. A single error can have significant consequences for your business. We will assist you in finding a robust policy that features critical components, such as coverage for accidental spills and the resulting cleaning costs.
Your business must insure its property and that of other parties for which they take responsibility. To help protect your company from losses arising from property damage, our brokers can provide the following types of assistance:
- Coverage for structures used to operate your business
- Inland Marine coverage
- Business Personal Property coverage (e.g., inventory, contents, stock)
- Installation floaters to cover materials stored at a job site
Workers’ Compensation
Employees in the environmental contractor industry may be subject to many risks and hazards while conducting their duties. As an employer, you are legally required to carry Workers’ Compensation insurance to help support workers who are injured or become ill at work. An adequate workers’ compensation policy can provide critical financial assistance for the following expenses:
- Medical treatment/rehabilitation
- Lost income
- Disability/death benefits
- Lawsuits
Business Interruption
Our agents can also help you acquire vital business interruption insurance. This coverage, also called business income insurance, provides critical aid if your company is forced to pause its regular operations. Specifically, an optimal policy can help cover the following costs:
- Rent and mortgage payments
- Payroll
- Lost income
- Loan interest payments
- Relocation costs
- Tax payments
As you transport employees and supplies between job sites, it’s necessary to have the right insurance. Bone Robertson & McBride, Inc. will work tirelessly to help you meet state auto liability requirements while also carrying enough coverage to protect essential vehicles and equipment. The following options highlight our commercial auto insurance program:
- Any Auto coverage
- Specific Auto coverage
- Auto Liability coverage
- Permanently attached Equipment coverage
- Hired and Non-Owned Auto Liability
- Comprehensive and Collision coverage
- Additional Insured endorsement
- Auto Transit Pollution
- Applicable Federal & State Filings (where required)
Additional Coverages
As an industry leader with nearly a half-century of experience, our staff understands that all businesses have unique coverage needs. In addition to the aforementioned core programs, we are prepared to supplement your insurance portfolio with various other policies that may be integral to protecting your company’s future, such as the following:
- Professional Liability Insurance (Errors and Omissions)
- Employment Practices Liability
- Cyber Liability
- Excess Liability
- Surety Bonds
- Employee Benefit Liability
- Group Health Insurance
- Group Voluntary Benefits (e.g., Dental)
- Crime (including Third Party)
Get the Right Coverage
Environmental Contractors may often have to conduct complicated tasks amid challenging conditions.
The insurance staff at Bone Robertson & McBride, Inc. are ready to assist in providing you with a tailored insurance plan for your unique company needs.
Contact us today to get started.
Think of us for all of your Business Insurance Needs
Contractors Insurance
Insurance for General & Artisan Contractors
Contractors face specific risks and perils that can be addressed with proper business insurance tailored to meet the company’s needs.
With nearly 50 years of experience and a deep understanding of common risks faced by contractors. Our long-standing relationships with “A” rated by A.M. Best carriers help you get high-quality coverage.
Contact Bone Robertson & McBride, Inc. today. We’ll help you get the Contractors insurance policies you want for your organization.
What Does Contractors Insurance Cover?
We provide specific core insurance coverage tailored for contractors, including the following:
General Liability
General liability insurance for Contractors helps cover some of the most common perils in the industry, according to A.M. Best loss reports, including claims related to pedestrian injuries due to falling objects.
- Blanket Additional Insured including Primary and Noncontributory Wording
- Blanket Waiver of Subrogation
- Per Project Aggregate
- Professional Liability
- Pollution Liability
- Assistance with WRAP/OCIP requirements
- Third Party Bodily Injury and Property Damage
Property Insurance
This coverage helps pay to repair or replace your company’s building and other structures on your property after a covered event. Contractors have specific property insurance needs, all of which our staff can help you address.
- Business Personal Property coverage (contents, stock and inventory)
- Inland Marine (mobile equipment coverage for tools/equipment on your vehicle or at a job site)
- Installation Floater (for materials yet to be installed at a job site)
- Building Coverage
- Business Income/Extra Expense
- Customer Goods
- Care Custody & Control
Commercial Auto
Business, including contractors, must meet the state’s auto liability limits. In addition to liability coverage, contractors must insure their company’s vehicles and attached equipment. We can help you get the commercial auto coverage you need, tailored to meet your company’s needs.
- Any Auto coverage
- Specific Auto coverage
- Permanently Attached Equipment
- Hired and Non-Owned Auto liability
- Comprehensive and Collision coverage
- Additional Insured Endorsement
- Waiver of Subrogation Endorsement
Workers’ Compensation
Most states require contractors to provide employees with Workers’ Compensation coverage. This policy helps pay medical bills and provides partial wage replacement if one of your company’s workers is injured in a work-related accident.
Additional Insurance Coverage for Contractors
Your business has unique needs. We are dedicated to helping contractors get appropriate insurance coverage, so you’ll get the service and policies you need to help keep your business reach its goals.
In addition to core policies, we also offer:
- Workers’ Compensation
- Business Interruption
- Umbrella Insurance
- Surety Bonds
- Excess Liability
- Employment Practices Liability
- Cyber Liability
- Employee Benefit Liability
- Group Health & Dental
- Commercial Fidelity & Crime
How Does Contractor Insurance Work?
Contractors face specific risks and perils that must be addressed with certain types of insurance.
The staff at Bone Robertson & McBride, Inc. can help you tailor business insurance policies to meet the unique needs of your company. We provide access to A-rated carriers for our Contractor clients.
When other insurance brokers must say no, we say YES!
Get the Contractors Insurance You Need Today
At Bone Robertson & McBride, Inc. we specialize in helping businesses get appropriate insurance coverage.
Contact us today to get unparalleled service and quotes from multiple insurance carriers.
Think of us as for all of your Business Insurance Needs!