You've built your siding business over the years and have managed to survive even the most difficult economic times by keeping a tight rein on your costs. But if you've reduced your costs by cutting back on your siding contractors insurance, you're risking everything that you've worked so hard to create.
If you think that you can't afford business insurance for siding contractors, ask yourself this question—can you afford to pay, out of your own pocket, to replace one of your vans that's been totaled in a crash? Pay for medical bills and maybe even lawyers fees if some customer claims that something you did caused them an injury? The bottom line is that in this day and age you really can't afford to be without siding contractors insurance.
That doesn't mean, however, that you're stuck with paying exorbitant rates for your business insurance for siding contractors. By shopping around and comparing policy coverages and policy premiums, you can find the siding contractors insurance that you need at a price that you can afford.
The Basics of Business Insurance for Siding Contractors
Although there are many different types of siding contractors insurance that you can buy, and insurance coverages that will protect you financially in almost every conceivable situation, you need to start with the basics.
Your business insurance for siding contractors' policies should include a business property policy, which will cover your office, storage area and any tools, equipment and materials that you store there.
You'll also want commercial vehicle coverages as part of your business insurance for siding contractors. Vehicle liability coverage, which pays for treatment of injuries to others and/or for repairs or replacement of others' property, is often required by state motor vehicle laws. You may also want collision insurance coverages, which would pay for damage to your own vehicle.
Workers compensation insurance is also required by states to protect your workers financially if they should be injured on the job.
Liability insurance is an essential coverage in siding contractors insurance. It will cover your business if something that you do—or don't do—injures someone or damages someone's property. It covers not only medical bills and/or repair costs, but also legal fees if the injured person takes you to court.
How to Find Competitive Siding Contractors Insurance Rates
Once you've decided on the insurance coverages you want, it's time to shop around for the best rates. Fortunately, netquote.com makes the process easy. Just fill out a single form, and you'll get back quotes from some of the top insurers in your area.
Netquote.com puts you in touch with the companies that can help you get the coverages you need to protect the business you built—companies that understand you want the best possible coverages at the best possible rates. So don't take a risk with your business any longer—go to netquote.com to get the business insurance that you need at an affordable price.
See how much you could save today on your insurance. Get your free business insurance quotes today!