Philadelphia Contractors Insurance – Call 215-646-5633
Philadelphia Contractors Insurance Quotes.
Prices start as low as $350 for contractors insurance in Pennsylvania. Call 215-646-5633.
Contractors Insurance in Pennsylvania Is Required by Law!
As a contractor you are likely aware that you are required to register with the state.
The Home Improvement Consumer Protection Act (“HICPA”) was signed into law in 2008. The law establishes a mandatory registration program for contractors who offer or perform home improvements in Pennsylvania.
Any type of contractor that performs at least $5000 worth of home improvements per year must register with the attorney general’s office.
If you have not yet registered with the state of Pennsylvania click here.
What Are the Requirements for Contractors Insurance in Pennsylvania?
Proof of liability insurance covering personal injury in an amount not less than $50,000 and insurance covering property damage caused by the work of a home improvement contractor in an amount not less than $50,000.
For the purpose of this subparagraph, proof of insurance may include information attested to by an applicant that the applicant is self-insured and the bureau shall develop forms for this purpose and make them available to applicants. The bureau may determine the sufficiency of the self-insurance and the manner in which it is maintained in compliance with this act.
What’s Included in the Basic Contractors Insurance Policy?
A basic contractor’s policy only provides coverage for General Liability. General Liability Insurance provides protection for financial liabilities that you may be liable for due to injuries or property damage incurred for your business related activities.
Example: You are a painting contractor and while you are using a pressure washer you accidentally damage your client’s vinyl siding causing $4000 in damages. Your general liability insurance will reimburse the homeowner $4000 minus a deductible. (If applicable)
Please note that general liability insurance will not provide coverage for tools, workers compensation, employment practice liability insurance, automobile insurance, and a variety of other claims.
That’s why it’s important to work with a professional insurance agency like Humphries Insurance.
Types of Contractors We Insure?
We can provide insurance for any type of contractor and we have special pricing programs available for the following types of contractors:
- HVAC Contractors Insurance Pennsylvania
- Electrical Contractors Insurance Pennsylvania
- Mason Contractors Insurance Pennsylvania
Call 215-646-5633 for the Best Philadelphia Contractors Insurance!