- Trusted Independent Agency Since 2011
Contractor's Package Insurance
Contractor Insurance
Get Contractors Insurance at Lafayette Insurance today!
Contractor Insurance is our most frequently sought after commercial policy. A Contractor’s Package can protect your business from devastating financial loss in the event of a catastrophic loss. We will help you choose adequate coverages and limits to match your exposure.Â
Tradesmen, contractors, and subcontractors are our typical Contractors Package clients. It is commonplace that the entity you are doing work for will require proof of this coverage in the form of a certificate of insurance. Â
Call: 765-474-2300
Contractor Insurance in Lafayette, Indiana
Greater Lafayette keeps growing, with new homes, remodels, campus projects and commercial construction across Tippecanoe County. If you’re a contractor, the right insurance protects your business from accidents, property damage and lawsuits, and it lets you take on jobs that require proof of coverage. We work with general contractors, remodelers, roofers, electricians, plumbers, HVAC techs, painters, landscapers, handymen and many other trades.
Coverage contractors commonly need
- General liability â injuries to others and damage to property caused by your work
- Workers’ compensation â medical bills and lost wages for injured employees
- Commercial auto â your trucks, vans and trailers
- Tools and equipment (inland marine) â tools, ladders and equipment on job sites, in your truck or in storage
- Builder’s risk â buildings and materials under construction
- Contractor bonds â license, permit and performance bonds
- Commercial umbrella â extra liability limits when jobs or contracts require them
Certificates of insurance and additional insureds
Many general contractors, property managers and project owners require a certificate of insurance before you start a job, and some require you to add them as an additional insured. We’ll help you understand contract requirements and get certificates to your customers so you don’t lose time on the job.
Why use an independent agency?
Every trade has different risks, and not every company wants to insure every type of contractor. As an independent agency, we can shop several companies to find one that fits your work, your payroll and your budget, and we’ll review your coverage as your business grows.
Contractor insurance FAQs
I’m a one-person operation. Do I still need insurance?
Yes. Even without employees, general liability protects you if your work damages a customer’s property or someone gets hurt, and many customers and general contractors won’t hire you without it.
Are my tools covered by my general liability policy?
No. General liability covers damage to others. Your own tools and equipment need inland marine (tools and equipment) coverage.
How do I get a certificate of insurance?
Once your coverage is in place, call or text 765-474-2300 with the certificate holder’s information and we’ll send it over.
Our process
Compare Quotes from Lafayette Insurance
01. Provide Details
Tell us a little bit about what you are wanting to insure.
02. Discuss Coverages
We educate you on insurance coverages relevant to you.
03. Compare Quotes
We shop multiple companies to find the best rates and protection.
04. Pick Your Policy
Choose the insurance plan that works best for your individual needs.
Lafayette Insurance Reviews
What our Clients Say
Joe and his staff are top notch. I never worry if I have an issue involving insurance. They are there to help make the experience worry free and professional. Itâs worth your time to give Lafayette Insurance a call.
Tremendous support from Joe Couch. He was readily-accessible, diligent, and a tremendous help through the process of switching policies. Would recommend to everyone.
Joe Sr. and Jr. are both professional and do the very best they can to get you the best deal possible. They have reached out to me to let me know of opportunities to decrease my rates before my terms were up so I could plan accordingly. They always answer when I text or call with a problem. Can't say enough good things about this company or the people running it!
Very professional and responsive. After calling several agencies in the area, our quote was 15% lower than anywhere else!
Joe Jr. looks out for you. Initially he had me with one insurance agency. 1 year in and upon finding a new deal, he contacted me, helped me save some money, and found a more reliant insurance company for my family's vehicles. He is personable and offers good advice without trying to overexert influence. I have not had to deal with a wreck yet and working through a claim, but I will update this post if it happens.
They are very nice and will find the best deal for you. They also follow up with you in the future to better you in better insurance for less.
The Couch team is great, I wound up switching to them from another company. I saved money, got better BOP coverage, better Work Comp coverage, and fadter service. I highly recommend them to any Business in the Lafayette area.