Contractor Insurance, Built Around the Work You Actually Do
You don’t run a “one-size-fits-all” business, so why settle for a one-size-fits-all policy?
Whether you’re a general contractor managing a job site, an electrician running calls solo, or a crew of plumbers, HVAC techs, carpenters, and painters, the risks you carry are specific to the work in your hands. A contractor policy built right means you’re covered where it counts, and not paying for protection you’ll never use.
Here’s what we look at when we build your coverage:
- General Liability – protection against on-site injury and property damage claims
- Workers’ Compensation – coverage for your crew if someone gets hurt on the job
- Business Auto – your trucks and work vehicles, covered for the road
- Contractor’s Equipment & Inland Marine – your tools and machinery, covered wherever the job takes them
- Equipment Breakdown – protection when equipment fails, not just when it’s stolen
- Commercial Property – your shop, your stock, your home base
- Builders Risk – coverage for a structure while it’s still under construction
General Liability: Your First Line of Defense
Accidents on a job site aren’t rare; they’re part of the territory. A visitor trips on-site. A client’s property gets damaged during the work. General liability is what stands between an incident like that and your bottom line. It’s also often the first thing a government contract will ask to see before you’re even allowed to bid.
Your Equipment Is Your Livelihood – Treat It Like It
Your tools and machinery aren’t just expenses on a balance sheet. They’re how you make money. A fire, a theft, a flood: any of these can take your equipment offline, whether it happens on-site or back at the shop. And when equipment goes down, so does your income. That’s why we build in protection not just for the equipment itself, but for the work you can’t do while it’s being repaired or replaced.
Your Crew Shows Up for You. Make Sure You’re Showing Up for Them.
Workers’ compensation isn’t optional in most cases, and it shouldn’t be an afterthought either. It’s how your people are protected if they’re hurt doing the job you hired them to do: lost wages, medical bills, the basics covered. We know construction work carries real risk, which is exactly why we look for every safety-program discount available to keep your costs in line with your actual exposure, not just the industry average.
Why Mercer Agency
We’re not here to sell you a policy and disappear. We’re here to understand how your business actually operates, what you’re building, what you’re driving, what’s sitting in your shop, and build coverage around that. That’s the job of a trusted advisor: not handing you a generic package, but acting as your risk caddie, making sure you’ve got the right club for the shot in front of you.
It all starts with a conversation. Let’s talk through what your business needs, and what it doesn’t.
