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The Functions Of Contractor Insurance California

By Luigi DeMarco

The contractor insurance California policy aims to secure the future of the contractor. Contractors face many threats and risks each and every day, therefore taking an insurance policy specifically meant to cover their losses, is a great idea. An insurance like this gives peace of mind apart from security. A person does not unduly have to worry about instances when he might end up facing a loss due to unforeseen circumstances.

If you have own business then there remains a fear of damage to your office equipments or a probability of damage to your client’s property. Even a small damage, like a stolen laptop, can amount to a major loss for your business. So, if you don’t want to face these kinds of damages then you should get the contractor insurance. The three common types of contractor insurance in California include office insurance, tax investigation and the professional indemnity insurance.

Office insurance includes those policies which cover public as well as employee liability, office equipments, a company’s legal needs, natural damage caused by fire or flood, the office building etc.

In case of professional indemnity, you will get policies that will help you to protect your self from various legal issues. The policy will cover damage of reputation, in fact you can also opt for policies that will protect you if your client sues you for breaking any agreement or non completion of any duty or services. If your clients suffer any loss then he may sue you, and here you need to take the help of professional indemnity contractor insurance policies.

Tax investigation will protect you if there is any severe HMRC investigation. It will also protect you from the problems related to tax. There are also other policies like general liability insurance, worker compensation insurance which protects the workers, commercial auto insurance for your vehicles and drivers, marine insurance for shipping contractors etc.

Contractor insurance not only gives the contractors of California peace of mind but also provides a security for unforeseen losses. In fact many contractors need to get this insurance as a law makes it compulsory to take it.

The contractor insurance California policy that you opt for must have the features that will satisfy you as well as your clients. Some service providers may send over their executives for efficient support service. The insurer must be duly ready to compensate you and your clients on any loss. If you search a bit on the internet, you will easily come across the names of various insurance companies. However, before opting for the services of any particular company or agent it is a good idea to do a background check to clear your own doubts.

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Article Citation
MLA Style Citation:
DeMarco, Luigi "The Functions Of Contractor Insurance California." The Functions Of Contractor Insurance California. 22 Jun. 2010. 23 Sep 2014 <>.

APA Style Citation:
DeMarco, L (2010, June 22). The Functions Of Contractor Insurance California. Retrieved September 23, 2014, from

Chicago Style Citation:
DeMarco, Luigi "The Functions Of Contractor Insurance California"

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