Follow us on Facebook

Business Insurance & Contractors

CONTRACTOR INSURANCE

Contractors insurance is coverage that can protect your business from devastating financial debts that can result from work-related accidents. It’s important to protect your livelihood with adequate coverages and limits that match your exposure in case your business is threatened.

OUR PROFESSIONAL AGENTS CAN REVIEW YOUR BUSINESS ASSETS, SUCH AS PROPERTIES, INVENTORY, EQUIPMENT, AND TOOLS AND RECOMMEND COVERAGE SO THAT YOU ARE ADEQUATELY INSURED.

COMMERCIAL LIABILITY

Whether you are looking for additional protection for your business or are being required to obtain coverage by a client, Throne Insurance can provide options for commercial liability insurance for your business. Liability for businesses can range from general commercial liability coverage to specialized policies such as professional liability, employment practices (EPLI), directors, and officers .

COMMERCIAL PROPERTY

Commercial property insurance can help reduce the risk of a loss putting a financial strain on your business. Our professional agents can review your business assets, such as properties, inventory, equipment, and tools and recommend coverage so that you are adequately insured. Throne Insurance works with many commercial insurance companies who offer programs tailored to business owners.

COMMERCIAL UMBRELLA

When a catastrophic liability loss occurs, an umbrella insurance policy can mean the difference between a business surviving, or not. Commercial Umbrella helps you protect your assets by providing liability limits above and beyond your other insurance policies. One of the insurance advisors at Throne Insurance can review your business insurance needs and recommend what kind of liability coverage you need to protect yourself and your company.

WORKERS' COMP INSURANCE

Throne Insurance can help your business find complete solutions to your unique workers compensation insurance needs, including services such as innovative payment systems, physician consulting services, and more. The experienced agents at Throne Insurance will find solutions that create safer and more productive workplaces, more confident and secure workers, and overall savings that you will see on your bottom line. Contact us today to schedule an appointment.

INLAND MARINE

Whether you need inland marine insurance to protect against risks daily or require coverage for a single move, Throne Insurance Agency can help. Our risk-management experts can assist you in determining what amount of coverage your organization needs to protect your business interests.

More Insurance Coverages

PUBLIC AUTO

Throne Insurance cares about getting the coverage and policy limits you need to protect your passengers, vehicles and you

Learn More

LIFE & HEALTH

Wherever life takes you. We´ll be there. Everyone needs a little certainty sometimes so let us find you a good life health plan

Learn More

PERSONAL INSURANCE

We are more than your agency, we are your best friends in the most difficult times

Learn More

FAQ

You've got the questions and we have the answers!

ARE CONTRACTORS REQUIRED TO HAVE INSURANCE?

While business insurance may not be required by law, without insurance you could be held personally liable for a mistake on the job. Additionally, before bidding or taking on a job, you may be required to show proof of insurance. If you have more questions please contact us through email or call at 972 - 589 - 7685.

WHAT’S THE DIFFERENCE BETWEEN A CERTIFICATE HOLDER AND AN ADDITIONAL INSURED?

A certificate holder is simply the business or contractor that carries the coverages as described on the certificate of insurance. An additional insured is another business or contractor that’s also listed on the certificate holder’s insurance policy.

WHAT KIND OF INSURANCE SHOULD A CONTRACTOR HAVE?

While some companies offer a “one-size-fits-all” contractors insurance policy, we know every contracting business is unique. That’s why our insurance experts will work with you to customize a policy just for your business, so you only pay for coverages you need.

DO I NEED WORKERS’ COMPENSATION INSURANCE IF I’M AN INDEPENDENT OR SELF- EMPLOYED CONTRACTOR?

In most cases, independent and self-employed contractors aren’t required to carry workers’ compensation insurance. However, it may be required in certain jurisdictions or to fulfill a contract.

WHAT DOES CONTRACTORS INSURANCE COVER?

Contractors insurance usually covers business liability exposures, such as injuries or damage to a client’s property for which your business is responsible. This is covered by general liability insurance, an essential part of a contractors insurance policy. Contractors insurance can also extend to cover your business’s vehicles and employees, depending on the coverages selected.