A contractor program has more than one moving part
Contractors work away from a fixed office, carry valuable property, drive between jobs, hire employees and subcontractors, and sign agreements with insurance requirements. A useful review connects those exposures rather than treating each quote as an unrelated transaction.
From straightforward artisan contractors to complex operations
Many artisan businesses fit established insurance programs when their operations and exposures are clear. Others—such as roofing, welding, tree work, excavation, fire protection, kitchen hood cleaning, environmental work or larger projects—may require more detailed underwriting and specialized markets.
Ford Agency can explore standard and surplus-lines options based on the individual account. Surplus lines can provide access for operations or coverage needs that do not fit standard underwriting programs; terms should be reviewed on their own merits.
Compare the whole option, not only the premium
Ford Agency is independent and can approach multiple appropriate markets. A meaningful comparison considers limits, deductibles, classifications, exclusions, endorsements, valuation, audit basis and whether project requirements can be supported—not price alone.
Coverage that may belong in the conversation
- General liability and completed operations
- Workers’ compensation and employers liability
- Commercial auto, hired auto and non-owned auto
- Tools, contractor equipment and inland marine
- Builders risk and installation floaters
- Professional liability and contractors pollution liability
- Commercial umbrella and employment practices liability
- License and contract surety bonds, which are not insurance coverage
What to send Ford Agency
- Operations and percentage split
- Sales, payroll, employees and subcontracted cost
- Vehicles, drivers, tools and equipment
- Project types, maximum values and service area
- Current policies, loss runs and requested effective date
- Written insurance, certificate, bid or contract requirements