Contractor
As a contractor, you know how important it is for your customer to be satisfied. When it comes to buying insurance, you can expect the same high level of quality and service from us that your customers have come to expect from you. At Auto-Owners, we’ve developed a specialized set of coverages to make sure every aspect of your contracting business is well protected.
Your local independent agent will work with you to discuss your needs and find the coverages that are right for you. With various discounts available, you can have the protection you deserve for a price you can afford. Don’t trust just anyone to protect your business - find your local independent agent representing Auto-Owners today!
Tools & Equipment
You depend on them to get the job done, make sure your tools and equipment are protected.
Contractors Errors & Omissions
Mistakes can happen. This coverage goes above and beyond your basic general liability policy to safeguard your work.
Package Discount
Simplify your insurance by packaging coverages together and receive a premium savings.
Common Coverages
General Liability
Provides protection from damages that arise out of your normal operations at or away from your business location. Also includes protection from damages caused by your products, services or work you have performed.
Commercial Property
Provides protection for your buildings, business personal property and property of others.
Commercial Auto
Covers vehicles you own and use for your business.
Workers Compensation
Covers work-related injuries to your employees.
Inland Marine
Offers a variety of coverages that protect your property while away from your primary location. Available coverages include Contractors Tools and Equipment, Employees Tools, Laptops, and Building Materials and Equipment. Coverage for rented equipment is also available.
Builders Risk coverage is available to cover your interest in buildings under construction.
Additional Coverages
Owners & Contractors Protective Liability Coverage (OCP)
Covers liability of an owner or general contractor for the operations of an independent contractor doing work for the owner or general contractor.
Additional Insured
We offer you the convenience of different options for your additional insured needs. We also have blanket coverage available for one low price.
Waiver of Subrogation
Waiver of Subrogation is available at no additional cost.
Crime - Building Service Contractors
Covers costs if one of your employees are convicted of stealing property from your customers.
Cyber Liability
In the event of a cyber-attack, our cyber liability package offers the coverages and services you need to protect your business. The package includes a wide range of coverages such as data loss expenses, lost income, and personal identity recovery expenses.
Employment Practices Liability (EPL)
Covers wrongful employment acts such as discrimination, harassment and wrongful termination. With this coverage, you gain access to a valuable employment practices website, as well as a legal advice line, so you can connect with experienced attorneys who are well-versed in federal and state employment laws.
Employee Dishonesty
Covers your business for employee theft of money, securities and other tangible property.
Commercial Umbrella
Covers large liability losses that exceed the limits of the underlying general liability policy.
Ways to Save
Multi-Policy Discounts
Receive premium savings when you have other qualifying policies with Auto-Owners.
Life Multi-Policy Discount
Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.
Dispersion Credit
If you own multiple buildings at different locations and insure them on the same insurance policy, you may be eligible for additional savings.
Group Discount
This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.
Package Discount
When you have your general liability with Auto-Owners and you choose to insure your tools, equipment, building or any other property with Auto-Owners, you will automatically receive this discount.
Paid-in-Full Discount
Save more if you pay your annual policy premium in full and on time. Discount does not apply for escrow direct bill accounts.
Deductibles
Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
How do I get a quote?
We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.