Wisconsin General Contractors Insurance

We receive calls for general contractors’ insurance every single day.  Insurance companies consider a general contractor to be a business that sub-contracts 25-35 or more of their business out to others, subcontractors.  Many contractors think a general contractor is a company that does multiple things.  That could very well be true, but for smaller to medium-sized contractors, the 35-35% guideline is more relevant. Perhaps so, but not in the eyes of the insurance company.  So, a Wisconsin general contractor looking for general liability insurance should really carry limits of coverage of $1,000,000/$2,000,000 or more.

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The first number is the occurrence limit.  That means the maximum amount paid per claim.  The other number is the aggregate limit, meaning the maximum amount the insurance company will pay per policy year or term.  There also may be a property damage deductible you should take into account when purchasing this type of insurance.  Common property damage deductibles are $1,000 – $2,500 for small to medium-sized Wisconsin contractors.  For a more detailed definition, just click here: General Liability Insurance

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Wisconsin paper contractors and home builders would normally be considered general contractors too.  Many types of contractors can be general contractors.  Masons, concrete, drywall, electricians, HVAC, sheet metal workers, bricklayers, painters, tile setters, carpenters, roofing, framers, plumbers, and cabinetmakers.

This higher percentage of work sub-contracted out would make you in-eligible for many small WI contracting insurance programs. Rates tend are higher for general contractors because you give up control and projects are larger.  Protect your assets and do business with us.  Read our Bio, then request your quote. Just complete our short for to the right and we will rush a quote back to you.  If you prefer, give us a call.  You will receive the same lightening service and low rates.  Let’s do business!