Contractor Insurance

If you are an employer or contractor in any field of expertise, it is important that you are aware of all the potential pitfalls that can occur on the job, and how the right insurance can protect you from any unforeseen complications down the line. Whether you need more information about Workers Compensation, General Liability, Bonds, Disability, Commercial Auto and Truck, or Inland Marine, count on us to provide you with the most up to date information. Our specialists work around the clock to make sure they have the kind of information that pertains to you – there are no generic answers to your specific questions. We know that, and make it our priority to listen to your needs in order to give you the advice that matters to you most.

 

General Liability

Comprehensive General Liability coverage insures a business against accidents and injury that could happen on its premises, as well as exposures related to its products. It will protect you from payments for bodily injury or property damage to a third party, for medical expenses accruing to the underlying incident, for the cost of defending lawsuits including investigations and settlements, and for any bonds or judgments required during an appeal procedure. No matter how thoroughly you remove all possible hazards from your business, you could be successfully sued for accidents resulting from simply the carelessness of a customer. General liability insurance is your last line of defense against devastating claims for things over which you may have little or no control over.

 

Workers' Comp Insurance

Workers' compensation insurance is a state-mandated benefit system designed to protect employees injured on the job. We can assist those involved in any work-related injury, whether it results from typing on a computer keyboard in an office or from a falling beam on a construction site. The employers are required to pay the bill for such injuries, regardless of who is at fault. Consequently, even if the carelessness of a worker caused an accident, they remain eligible for workers' compensation insurance benefits.

 

Health Insurance

In today's competitive marketplace, it's essential that you do all you can do to attract and retain high-quality employees who can bring your business to the next level. One way your company can stand out from other businesses is to offer your employees attractive health insurance coverage options. This is particularly true for smaller firms, since only 47 percent of small businesses with three to nine employees offer their employees health insurance. Offering group health insurance helps your employees manage routine costs associated with health care, including regular physical exams, prescriptions and preventative care. It also helps them mitigate costs associated with catastrophic illness or injury.

 

Life Insurance

Your business is your greatest asset. If something happened to you or your key employees, would your business have the financial means to continue to thrive? What would you, your family, your employees, or your loyal customers do without the income generated by your business?

Business life insurance is a critical component of your overall business plan. Karl Crowell Insurance can help you start thinking about the questions you need to consider in order to protect what you've worked so hard to build.

Disability Insurance

Most people insure their material possessions - their homes and cars, for example. But many of these same people don't insure what is probably their most valuable asset - their ability to work and earn income. If you become sick or are injured and can't work, will you be able to pay your bills and maintain your standard of living? If you depend on your income to pay the bills, you need to seriously consider buying disability income insurance. Disability income insurance can help you pay your bills by replacing a portion of your income. It can help you maintain your current lifestyle and help protect you and your family from going into serious debt.

Bonds

Karl Crowell Insurance is staffed to service your bonding needs, providing court bonds, construction bonds, license and fidelity bonds to meet your specific needs. We offer a wide range of performance bonds for construction, and small business insurance products, both surety and fidelity. We represent a diverse group of excellent companies.

Builder's Risk Insurance

Builders Risk Insurance is a form of property insurance the covers property owners and builders for projects under construction. This insurance is similar to building and personal property coverage, but this insurance covers buildings during construction. Builders risk insurance provides coverage on an "all risk" basis and includes theft, vandalism, accidental losses, damage or destruction of property.

 

Commercial Auto Insurance

Commercial automobile policies cover the cars, vans, trucks and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property. Directors' and Officers' Liability Insurance This type of insurance is generally purchased by corporations and nonprofit organizations to cover the costs of lawsuits against directors and officers.

 

Inland Marine Insurance

Inland marine insurance covers property in transit and other people's property on your premises. For example, this insurance would cover fire-damage to customers' clothing from a fire at your dry cleaning business.