For Contractors

If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.

We insure fixtures, appliances and building materials you own—and those in your care—against theft and most types of loss at your work locations and during transport. Coverage extends to your tools and mobile equipment, subject to limitations in some states.

If your business enjoys seasonal peak periods, coverage on your inventory automatically increases 25 percent during your busier times with the simple provision that you insure to 100 percent of your average monthly values.

Other special coverages automatically included:

• Accounts receivable If you extend credit to your customers, this feature helps you "recoup" money owed to you that destroyed records prevent you from collecting.
• Money and securities Your cash, credit card slips and other securities are covered on and off premises for loss resulting from theft, destruction or disappearance.
• Valuable papers and records You have special coverage to help with the cost of research needed to reconstruct manuscripts, abstracts, blueprints, and other computer or paper documents crucial to your contracting business.
• Property of others You’re covered on premises for personal property of others left in your care.
• Fire department service charge

Like our property protection, our liability coverage revolves around the nature of your work—including many coverages excluded in standard business policies. With few exceptions:

• You’re protected against claims for bodily injury or property damage resulting from your own negligence or that of your employees and independent subcontractors-both during and after job completion.
• You’re insured for damage you cause from fire or explosion to a building or premises you rent
• We pay sums for which you become legally obligated for personal injury and advertising injury arising from the conduct of your business.
• We pay medical expenses for any person (other than officers and employees) requiring medical services because of an accident related to your operations.

We offer a wide range of options to help you personalize your insurance program, including:

• Business income If you business activity is interrupted by insured damage on premises, we’ll cover your loss of income for up to 12 consecutive months as well as extra expenses you incur to keep your business going.
• Contractors equipment If you own front-end loaders, tampers, trenchers, generators or other valuable equipment and machinery, comprehensive coverage is available.
• Rental reimbursement Covers the cost of renting substitute equipment if yours cannot be used due to a covered loss.
• Voluntary property damage You can purchase special liability coverage to insure damage you cause to customers’ homes and other property that is in your care or control off premises.
• Agreed value or replacement cost coverage is available for your buildings and most business property items.

Of course, our Deluxe Insurance Program for Contractors also provides all the fundamental property and general liability coverages found in standard commercial policies to protect your building, contents, premises and operations, plus many other tried-and-true coverages to guard your practice against financial loss.

• Systems breakdown For heating, air conditioning and electrical systems used to maintain your business.
• CompuPak® Comprehensive coverage to insure your information processing systems against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many other types of loss. Covers both your hardware and software.
• Group coverages Group term life and short-term or long-term disability coverage is available to protect—and help you retain—your employees. The cost is surprisingly low.
• Business continuation This coverage integrates a funded buy/sell agreement into your plan, protecting the interest of the owners and the future of your operations.
• Building ordinance or law coverage To cover increased costs in construction related to local or federal regulations.
• Employee dishonesty With your choice of limits per occurrence.
• Employment practices liability This coverage protects you against loss resulting from a wide range of employee lawsuits, including discrimination, sexual harassment and wrongful termination.
• Employee benefits liability coverage To protect you against errors and omissions in administering your employee plans.
• Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal way to meet your legal requirements (ERISA) to protect plan participants against theft of funds.
• Workers compensation Yes, this absolutely essential coverage is available for your business. Ask your agent for details.

• Key employee coverage Designed to protect your business upon the loss of a key employee. Funds can be used to find, hire and train a replacement, as well as compensate for lost business during the transaction.
• Simplified pension plans Owners of small businesses can turn to either a SEP-IRA or a Simple IRA to get the benefits of a qualified pension plan without the higher administrative costs and paperwork hassles.
• Debt protection This coverage can secure the funds needed to pay off a company’s debt upon the death of an owner, helping the business continue as a viable entity during this difficult time.
• Non-qualified executive plans A business may want to reward key people in the organization with such executive plans as deferred compensation, executive bonus and split dollar coverage. Each plan rewards the executive while tying them more closely to the continued success of the business.

• Automobile For your business and personal use
• Homeowners Complete coverage for your personal property and liability needs
• Life Choose from a wide variety of life insurance plans to protect you and your family
• Excess liability Broader coverage for losses above the limit of your underlying policies
• Shipmate® Coverage for your boat and liability for protection for you
• And much, much more

Want to know more about our special program for contractors? Contact an agent in your area, or get in touch with our office nearest you.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

© Copyright 2000 Harleysville Group Inc., Harleysville, Pa., U.S.A. All rights reserved.
The products described on this Web site are not
available in all states of the United States.
Please read our disclaimer and privacy policy.