{"id":36,"date":"2018-12-28T03:00:00","date_gmt":"2018-12-28T15:00:00","guid":{"rendered":"https:\/\/www.berkscountyinsurance.net\/blog\/?p=36"},"modified":"2018-12-28T16:21:33","modified_gmt":"2018-12-28T22:21:33","slug":"insurance-contractors-and-builders-need","status":"publish","type":"post","link":"https:\/\/www.berkscountyinsurance.net\/blog\/insurance-contractors-and-builders-need\/","title":{"rendered":"Insurance Contractors and Builders Need"},"content":{"rendered":"<p>As a contractor or builder, you need insurance to protect your future. In the high-risk construction industry, lawsuits are just around the corner.&nbsp;Berks County Insurance,<strong> <\/strong>which<strong>&nbsp;<\/strong>serves Reading, PA,&nbsp;has the products to safeguard what you&#8217;ve built.<\/p>\n<p>When you have Commercial Liability insurance, your business has the safeguard of coverage if a third party files a lawsuit&nbsp;claiming bodily injury,&nbsp;property damage, or, in advertising,&nbsp;libel, slander, or copyright infringement. Whereas the above-mentioned policy protects your business if you&rsquo;re sued by a third party, you also need workers&rsquo; compensation to pay for the medical expenses and lost income resulting from on-the-job injuries to your employees or you. Like contractors and builders, subcontractors should also carry liability and workers&rsquo; comp.&nbsp;<\/p>\n<p>Another insurance to consider is Builder&rsquo;s Risk<strong>, <\/strong>which covers a building under construction. Since the materials used in construction are costly, it&#8217;s good to know that this insurance usually covers your tools and equipment at the job site while you are completing the structure.&nbsp;If you have Commercial Property insurance,&nbsp;the loss of tools and equipment due to fire, theft or vandalism at your business&rsquo;s permanent location will be paid for. Combining the benefits of liability insurance&nbsp;with property insurance into one policy is&nbsp;Business Owner&rsquo;s insurance. As for the vehicle you use as a contractor or builder, generally speaking, your personal auto policy will not cover it. Therefore, you will probably need a commercial auto policy.<\/p>\n<p>Aside from protecting what you have accumulated, another reason to get commercial insurance is that many businesses will not enter into a contract with you unless you have it. Contact Berks County Insurance, which serves Reading, PA, to speak to a knowledgeable agent who can put your business on more solid ground with the right coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a contractor or builder, you need insurance to protect your future. In the high-risk construction industry, lawsuits are just around the corner.&nbsp;Berks County Insurance, which&nbsp;serves Reading, PA,&nbsp;has the products to safeguard what you&#8217;ve built. When you have Commercial Liability insurance, your business has the safeguard of coverage if a third party files a lawsuit&nbsp;claiming [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[6,5],"class_list":["post-36","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-berks-county-insurance","tag-reading-pa"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/36","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/comments?post=36"}],"version-history":[{"count":1,"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/36\/revisions"}],"predecessor-version":[{"id":37,"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/posts\/36\/revisions\/37"}],"wp:attachment":[{"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/media?parent=36"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/categories?post=36"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.berkscountyinsurance.net\/blog\/wp-json\/wp\/v2\/tags?post=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}