Contact Us: ​(310) 733-2390
Germani Insurance Services, Inc.
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      • Is your business income protected?
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  • Home
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Classic Car Insurance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Error & Omission Quotes
      • Contractors Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
      • Final Expense Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
      • Travel Insurance Quote
      • Wedding Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Business >
      • Error & Omission Insurance
      • Contractors Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Long Term Care Insurance
      • Medicare Supplement Coverage
      • Vision Insurance
    • Life/Financial >
      • Life Insurance
      • Annuities
      • Disability Insurance
      • Final Expense Insurance
      • Financial Planning
      • Umbrella Insurance
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
      • Travel Insurance
      • Wedding Insurance
  • About
    • Our Company
    • Refer a Friend
    • Client Testimonials
    • Insurance Carriers
    • Accessibility Statement
    • Agency Photo Gallery
    • Blog
    • News
  • Videos
    • Auto >
      • Auto Insurance Explained
      • Teen Driver FAQs
      • Selecting The Appropriate Liability Coverage
      • How to Save Money on Your Auto Insurance
      • Save Big on Maintenance with an Extended Warranty
      • What To Do If You're In An Accident
    • Home >
      • Homeowner Insurance FAQs
      • Renters Insurance FAQs
      • How Landlord Insurance Can Protect Your Property and Rental Income
      • Condo Insurance FAQs
      • The Importance of a Home Inventory Checklist
      • What's Not Included In A Standard Homeowner's Policy
      • How To Protect Your Most Treasured Possesions
      • Earthquake Insurance FAQs
      • How to Save Money on Your Homeowners Insurance
      • Should You Insure Your Home at Market Value, or Replacement Cost?
      • Flood Insurance Made Easy
    • Life/Financial >
      • How to Protect Your Family From Financial Hardship
      • Term vs Permanent Life Insurance
      • How Much Life Insurance Do You Need?
    • Other >
      • Bundle & Save
      • How Umbrella Insurance Can Protect You & Your Family
      • Do You Have Enough Umbrella Insurance
      • Protecting Yourself Against Identity Theft
      • The Value of Working with an Independent Insurance Agent
      • How Commercial Umbrella Insurance Can Protect Your Business
      • How Commercial Earthquake Insurance Can Protect Your Business
      • How Commercial Flood Insurance Can Protect Your Business
      • How Professional Liability Insurance Can Protect You From Costly Lawsuits
      • If Your Business Got Sued, Are Your Personal Assets at Risk?
      • Cyber Attack Protection
      • Employment Related Lawsuit Protection
      • Is your business income protected?
      • Does Your Business Need Hired and Non-Owned Commercial Vehicle Insurance?
  • Contact


Contractors Insurance

Having the proper contractors insurance coverage at an affordable rate can make the difference between the success and failure of your business. Allow our commercial insurance experts to help guide you to success.

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What is Contractors Insurance?

The builder/contractor may have the best design, the best equipment and the best people but nature may not be as cooperative. Fire, earthquake, flood and other forces of nature might occur, thus, all the resources already put into a project may go down the drain.

Against this possibility, Stronghold offers the Contractors All Risk Insurance Policy. This Policy will assure the builder/contractor that his project is adequately protected, relieving him the worry that his project might suffer a loss, giving him the much needed time to concentrate on better ways to do his job.
​
General liability insurance is often bundled with a variety of other coverages in a BOP. But as a contractor, you might not want the extra coverages in a BOP. You could be eligible to get contractors insurance with general liability protection without a BOP, through the Progressive Advantage Business Program. 

Major Types of Contractors Insurance

General Liability Insurance 
  • A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and advertising and personal injury liability.
Commercial Auto Insurance
  • Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Commercial auto insurance may also offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from events other than traffic collisions.
Commercial Property Insurance
  • Covers risk of loss to an organization’s buildings or personal property. Usually includes buildings, personal property of the insured business or business owner, personal property of others on site and in the insured’s possession. Coverage can be provided on an all risk or specific perils basis.
Commercial Umbrella Insurance
  • Commercial Umbrella insurance is liability coverage that is in excess of specified other commercial insurance policies and also potentially primary insurance for losses not covered by the other policies. When an insured business is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy (up to the coverage limit of the umbrella policy).
Professional Liability Insurance
  • Professional liability insurance (PLI), also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance that helps protect professional advice and service-providing companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Professional liability coverage sometimes also provides for the defense costs, including when legal action turns out to be groundless. 
Business Owner's Package
  • A Business Owner's Package (often called a BOP) is an insurance policy that combines protection from all major property and liability risks in one package. It typically combines all the basic coverages required by a business owner into one bundle. It is usually sold at a premium that is less than the total cost of the individual coverages. Business Owners Policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
Workers Compensation
  • Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Group Health Insurance
  • Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 
Group Life Insurance
  • Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.
Group Disability Insurance
  • Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).
Supplemental Insurance
  • Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover.

    Contact us to learn more about the right business insurance for you.
(310) 733-2390
3415 S Sepulveda Blvd
11th Floor
Los Angeles, CA 90034​
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Germani Insurance Services, Inc.
CA license # 0I43584
3415 S Sepulveda Blvd
​11th Floor
Los Angeles, CA 90034
(310) 733-2390​
Click Here to Email Us

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