Iowa Contractors Insurance

April 09, 2015

Find the Coverage That You Need

As a central Iowa contractor, you are likely experiencing an increase in building activity. The central Iowa economy is good; housing starts are increasing and commercial construction is picking-up.

In addition to bidding jobs, hiring and retaining employees, coordinating with vendors and other supply houses and overseeing the job, you also need to make sure everything is insured properly. Materials in your warehouse, in-transit or on the job site need to be protected as do you your employees, equipment and tools. It pays to know your insurance requirements and the agents at Knapp Tedesco Insurance will work with you to be certain you have the protection you need.

Insurance for Contractors

Contractors Insurance provides you with the financial protection you need in case of an unfortunate event or an accident. A standard contractor insurance policy will include these basic coverages:

  • General Liability – to protect you from claims that may arise
  • Business Property – equipment used in your construction business
  • Commercial Auto – vehicles used in your business
  • Worker's Comp – to protect your employees in the event of injury
  • Builders Risk Installation Floater - protection for installation, tools, storage and transit

There are many optional coverages that can be included on your contractors insurance policy in order to customize it to your specific needs. Loss of Business Income, Equipment Breakdown, Sign Coverage, Electronic Data, Employee Dishonesty, Crime, Data Breach, Equipment, Contractors Errors & Omissions and Pollution are a few of those options. Your business is unique and your property and casualty coverages should be too. Choosing the right contractors insurance package takes know-how and Knapp Tedesco Insurance is here to help. Let us go to work for you to keep your costs down while providing the coverages that you need.

While it’s always important to identify what insurance coverage your business needs, it’s wise to work with an agent that can advise you on what is not covered. In every insurance policy there are limitations and exclusions and our agents at Knapp Tedesco can help you navigate through your insurance policy so there are no surprises at claim time.

Equally as important to having the protection you need is preventing losses. When you work with our agents at Knapp Tedesco Insurance we will get to know and understand your business identifying your risks and helping you control and minimize loss. We have access to top-notch risk management experts through our insurance carriers who can help you address safety and necessary training and also lend advice on employee screening and OSHA training. And, when you do experience a claim, we will help you manage it quickly and thoroughly.

Knapp Tedesco Insurance – Your Trusted Advisor

Before you bid your next job, make sure you have the right coverage. You work hard to grow your business – make certain you protect it! When you insure your construction business with Knapp Tedesco Insurance you have access to our agents – your trusted advisor – who will be your advocate in the process.

As a contractor your business is built on experience and your insurance should be too!

Knapp Tedesco has been providing Contractors Insurance in Ames since 1926. Complete the Quote Form on this page or give us a call and we will “hammer out” the details with you today!