Call Us 513-522-7424 ☰ ˟
Logo
Call Us 513-522-7424
  • Home
  • Our Agency
    • About Us
    • Our Staff
    • Our Locations
    • Commercial ProductsImage of right arrow
      • Coverage for Specific Industries
      • Coverage for Your Business
      • Coverage for Your Employees
    • Personal ProductsImage of right arrow
      • Automobile
      • Homeowners
      • Life
      • Powersports Vehicle
      • Personal Umbrella & Identity Theft
  • Products
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Alarm Contractors Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Insurance for Arborists- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Bar Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Box Truck Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Builders Risk Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Car Dealership Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Catering Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Construction Insurance
      • Consulting Firm Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Contractors Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Specialty Trade Contractors Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Craft Brewery Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Dental Practice Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Dump Truck Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Educational Facility Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Financial Institution Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Food Truck Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Fleet Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Handyman Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Garage Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Healthcare Facility Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Healthcare Practice Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Law Firm Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Life Science Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Limousine Services Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Liquor Liability Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Maintenance Contractors Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Manufacturing Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Media & Advertising Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Non Profit Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Personal Trainer Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Pool & Spa Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Printers & Publishers Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Real Estate Businesses Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Retail Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Scrap Metal Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Security Guards Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Self-Storage Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Septic Contractors Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Snow Plow Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Specialized Truck Equipment Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Technology Services Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Tractor Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Tow Trucks Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Uber Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Water Well Drillers Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Veterinary Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
    • Coverage for Your BusinessImage of right arrow
      • Surety & Fidelity Bonds - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Business Catastrophe Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Business Owners Policy (BOP) - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Commercial Auto Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Commercial General Liability - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Commercial Property Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Commercial Real Estate Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Commercial Umbrella Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Crime Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Errors and Omissions Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Equipment Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Fidelity Bonds - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Inland Marine Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Marine Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Mechanical Breakdown Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Office Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Product Liability Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Professional Liability Coverage - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Shipping Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Small Business Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Small Business Liability Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Storage Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Surety Bonds - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Technology Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Trailer Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Transportation Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Trucking Insurance and Semi Truck Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Wedding Insurance and Special Event Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Van Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.
    • Coverage for Your EmployeesImage of right arrow
      • Retiree Health Coverage- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Group Health Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Disability Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
      • Individual Life Insurance- Cincinnati OH & Dayton OH - Moore Insurance, Inc.
    • AutomobileImage of right arrow
      • Classic Car
      • Personal Injury Protection
      • Rental Reimbursement
      • Minor Violation Forgiveness
      • Medical Payments Coverage
      • Uninsured & Underinsured Motorist
    • HomeownersImage of right arrow
      • Homeowners Liability
      • Mortgage Protection
      • Scheduled Property Insurance
      • Landlords Insurance
    • LifeImage of right arrow
      • Individual Life
      • Long Term Care
      • Disability Insurance
    • Powersports VehicleImage of right arrow
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Snowmobile Insurance
    • Personal Umbrella & Identity Theft
  • Get a Quote
  • Contact Us
  • Locations & Hours
Home > Commercial-Products > Coverage-For-Specific-Industries > Contractors Insurance - Cincinnati OH & Dayton OH - Moore Insurance, Inc.

Contractors Insurance in Cincinnati and Dayton, OH

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractors Insurance Package Covers

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

  • A Business Owner's Policy
  • General Liability Insurance
  • Worker's Compensation
  • Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Moore Insurance, Inc. can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Moore Insurance, Inc.'s goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you're one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

 

1. "About the Specialty Trade Contractors Subsector." U.S. Bureau of Labor Statistics. Accessed April 20, 2016. http://www.bls.gov/iag/tgs/iag238.htm.

2. "Sole Proprietorships vs. LLCs." Nolo.com. Accessed April 28, 2016. http://www.nolo.com/legal-encyclopedia/sole-proprietorships-vs-llcs.html.

3. Utschig, LeRoy. "Contractor's Equipment." Rough Notes. Accessed April 20, 2016. http://www.roughnotes.com/rnmagazine/1997/sept97/09p98.htm.

Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
1701 Compton Rd | Cincinnati, OH 45231
P: 513-522-7424 | F: 513-728-4031 | service@mooreinsinc.com
Social Social Social
Logo

Powered by Insurance Website Builder