Contractors Insurance

Accidents happen, and being properly insured is critical to protecting your business or your property. General Liability Insurance is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from day-to-day business operations.

Whether you’re operating a single vehicle or a fleet, you need coverage for you, your employees, and the vehicles you own, lease, rent, or borrow – on and off the road. Business Auto Insurance provides coverage for vehicles owned by commercial enterprises to help prevent an accident from damaging your bottom line.

Business property insurance is something every company needs – whether you own your own building, lease or work from home. Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism.

Workers Compensation, and in some states Short Term Disability, is mandatory insurance that protects your employees should they become sick or injured. JWI will work with you to design the right plan to protect your business and your employees.

Johnnie Walker Insurance offers the financial strength of the nation’s largest surety companies. Ask us about Commercial surety bonds, fidelity bonds, contract bonds including bid, performance and payment bonds.

The grading & excavation is inherently dangerous work. As a result, site preparation contractors are faced with large risks and potential liability. Don’t let an accident, injury, property damage, or theft put you out of business. The right grading & excavation insurance policy with JWI can help you manage the legal and financial burdens if the unexpected happens.

Professional liability insurance, also called errors and omissions insurance (E&O insurance) or indemnity insurance, protects your business if you are sued for negligently performing your services, even if you haven’t made a mistake. Don’t take a chance, contact Johnnie Walker Insurance for a quote for your business.

Builders Risk Insurance—also referred to as course of construction (COC) insurance, or builder’s risk insurance—is a specialized type of property insurance that protects a person’s or organization’s construction projects, renovations, or installation while in progress. It can include the existing structure, materials, as well as equipment being used in the construction of a building or structure should those items sustain physical damage.

Inland Marine insurance covers the risks relating to property, property and equipment that’s either in transit (including by road or rail) or being stored by a third party. Inland marine insurance is very important, as many commercial property insurance policies will only cover items or equipment that are on your business’ physical premises.

Pollution Liability Insurance, also commonly referred to as environmental insurance, helps protect businesses from unexpected pollution exposures that may not be covered by standard casualty and property policies. It fills an important insurance coverage gap for contractors.

Cyber insurance covers the losses relating to damage to, or loss of information from, IT systems and networks, data breaches and other cyber security issues. We strongly encourage all our clients to consider the value of cyber insurance, especially if they handle or use digital information.