As a contractor in New Jersey, you have taken on a significant amount of responsibility between your own operation and your on-going worksites. All these pieces can leave you open to a number of liability risks, and it can be difficult to understand what you need from your coverage. If you are looking for insurance for contractors in Clifton, New Jersey, look for an agent that will help you fully understand your business needs. Look for someone who completes the following tasks.
Assess and Identify Concerns
Some agencies will send an experienced employee to assess your business location, including your employees, equipment and building. This visit can help you understand what you need to consider on the administrative side of your business. Additionally, an agent will look at current work sites and assess unique risks that you might be facing. These individuals are significantly more knowledgeable in potential issues and can help you identify problems before they happen.
Communicate Policy Options
Once an agent has identified potential issues, they can work with you to customize a general and specified plan that will have you fully covered. They can recommend more specific plans like errors and omissions liability, pollution liability and employment practices liability. They can also work with you on a number of umbrella policies. Signing up for comprehensive and customized insurance for contractors in Clifton, New Jersey will ensure that you are fully protected.