The Safety Tool For Every Contractor

Aug 7, 2019, 2:04 PM

Before your work begins, make sure you and your customer are covered.

There are contractors for every part of the house — from electrical work to basement plumbing. But not much can be done on a house until there’s a frame in place to build on.

Between April 2018 and April 2019, total building permits for Illinois increased 19% (throughout northern Illinois, in the Rockford, Kankakee, and Champaign-Urbana areas). They increased in Michigan 8% over the same time, mainly on the state’s west coast in the Niles and Grand Rapids areas. Framing contractors, like many residential contractors, are staying busy in our six-state marketing region.

Framing Contractor Commercial

They also need appropriate protection for themselves, their business, and their crew. Because they’re so key to so many construction projects, some of the most fundamental business insurance coverages are ideal for framing contractors. They include:

Select Contractors Package Policy


This policy can cover damage to equipment, like tools, machinery, and the structures your team is working with.  This policy can also provide comprehensive liability for your business.

Commercial Auto


Construction crews use trucks, vans, and more to get from job to job. Those vehicles need the same protection as a personal vehicle, and maybe even more, since several people may be behind the wheel. From a broken windshield to a fender bender, we’ve got you covered!

Workers’ Compensation


Many employers are responsible for workers’ compensation for their entire team. We specialize in workers’ compensation coverage for small businesses; talk to your agent about the coverage that will fit your company.

If you’re a contractor, a client has probably asked you about your insurance coverage. The Federal Emergency Management Agency even suggests that property owners ask their contractor if they have general liability and workers’ compensation coverage before agreeing to any work:

“For your protection, verify that anyone you are considering has a general liability insurance policy by asking for a copy of their insurance certificate, checking the expiration dates, and calling the issuing authority to verify their insurance is valid.”

With insurance coverage from Hastings Mutual, you will be able to answer “yes” to those questions — and protect your customers and yourself. Talk to your independent insurance agent about the best coverage option for you and your business.

The Mutual Understanding blog and Hastings Mutual videos are made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.


© 2019 Hastings Mutual Insurance Company. All rights reserved.

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