Contractors Insurance is absolutely necessary for contractors. If it’s not a real accident, it’s someone claiming to have one, and the cost alone of a lawyer to defend a contractor can be enough to put a business out.

Professional Indemnity can cover contractors against claims for negligence, unintentional breaches of intellectual property, loss of data, or documents and claims for dishonesty.

Employers Liability covers employees for any injury sustained at work. Normally, contractors must have this insurance by law, even if you are the sole 'employee' of your limited company. Public Liability is also known as “general” or “product” liability insurance, and covers your company against third party claims. It will also cover you if you accidentally damage property at your client site.

Contractors may also be interested in covering themselves against computer damage and/or office contents insurance. Call State to State Insurance today to ask about which NY, NJ and PA Insurance Contractors options may be right for you.