Phoenix Contractors Insurance: 5 Gaps in Your Coverage

Are You Fully Covered on the Job Site?

Construction in Phoenix is booming, but so are the risks. Many contractors carry General Liability and think they are done. Unfortunately, standard policies often leave gaping holes in coverage that can bankrupt a business.

5 Common Insurance Gaps

1. Tools & Equipment: Your General Liability usually doesn’t cover your tools if they are stolen from a job site. You need Inland Marine coverage.
2. Completed Operations: What happens if a defect is found after you finish the job? Ensure your policy covers completed ops.
3. Subcontractor Liability: If you hire subs, their mistakes can become your liability if you don’t track their Certificates of Insurance properly.
4. Commercial Auto: Personal auto policies rarely cover work trucks carrying ladders and materials.
5. Pollution Liability: Essential for contractors dealing with paint, fuel, or chemicals.

Build with confidence. Contact Ted Hamm Insurance to close these gaps today.