PRIME Insurance Gets You Specialized Coverage

You are too busy worrying about your contracting jobs to have the headache of the unique risk exposures your business has. Let PRIME Insurance help you get the shielding insurance other contractors have.

Insurance Claim Scenarios that Really Could Happen to You

The Problem:

• A customer slips and falls on your office floor.
  
• While hammering in a kitchen cabinet, your worker is injured by a tool that fell off the counter.
  

The Insurance Answer:

The possibility of claims in relation to you or your workers is a real concern. That is why you need NJ General Liability Insurance. You also need the government mandated NJ Workers Compensation Insurance.

RELATED: How to tap into low workers comp rates

The Problem:

• You are working on a construction project and wrap up for the day. You and your crew arrive the next morning only to discover your equipment has been stolen.
  
• You’ve worked long and hard on a home expansion project. You pat yourself on the back as a job well done stands at the verge of completion. Just before actual completion, a fire erupts, burning down your handiwork.
  
• A fire in your office damages your equipment used to carry on with business
  
• While in transit to the worksite, your tools are stolen.
  

The Insurance Answer:

For unexpected events such as these, not only do you need NJ Property Insurance, but specialized builder’s coverage that is usually included within Inland Marine Insurance.

The Problem:

• You are hired to construct a building on a property. The township demands a guarantee from you that ties up your money.
  
• Anything can happen to delay a construction project that you promised would be completed at a certain date.
  

The Insurance Answer:

There are standard instances when the local government insists on a guarantee of site improvement in the form of money in an escrow account. Because this ties up valuable cash, most contractors opt for a Construction or NJ Site Improvement Bond. You may also need a License and Permit Bond. In the event a job cannot be completed at a prescribed time, NJ Fidelity Bond Insurance will cover you, while offering reassurance to the customers.


The Problem:

• You or your worker is at fault in an accident. The other party suffers injury and his car is damaged.
  
• While your worker drives his personal car on a business errand for you, he is the guilty party in a vehicle collision. Your worker does not have adequate insurance to cover damages.
  

The Insurance Answer:

For events such as the above, NJ Commercial Auto Insurance would protect you from the potentially devastating high costs of related lawsuits, medical bills and vehicle repair bills.

About PRIME Insurance

PRIME Insurance is the leading agency that has been helping contractors like you for 15 years. PRIME’s success is underscored by  

• Recognition for excellence by impressive industry awards
  
• Appointed to do direct business with 43 of the top insurance companies
  
• Competitively lowest quotes
  
• Its passion to get tailored coverage for each client
  
• Customer recommendations (see http://www.primeins.com/insurance-news/2015/08/see-how-customers-rate-prime-insurance)
  

HAVE A PRIME DAY™!
PRIME Insurance provides all forms of nationwide coverage, including NJ cheap auto insurance, low quote commercial umbrella insurance NJ, Houston, TX commercial property insurance, flood insurance, vacant property insurance NJ, NJ renters insurance, NJ homeowners insurance, NJ bonds, NJ workers comp, NJ life insurance and more. We invite you to experience the PRIME difference by visiting us on our online insurance website; emailing us at PRIME [at] primeins [dot] com; or by calling us at 732-886-5751.

Summary: Every contractor faces risk exposure. That's why there's special insurance designed for the profession.