(704) 857-9512 China Grove, NC

(704) 784-3300 Concord, NC
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Contractors Insurance

Looking for Contractors Insurance in the Concord, China Grove, NC area?

Jason Bentley Agency is your local Contractors Insurance expert! We insure many different types of contractors from Landscapers, Electricians, Carpenters, and many more!

Who Needs Contractors Insurance?

There are many types of contractors who all need contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

  • construction contractors
  • Plumbers, carpenters, electricians and painters
  • Repair people
  • House and carpet cleaners
  • Freelance writers, editors and graphic designers
  • hair stylists, and salon professionals
  • Horse or dog trainers

Don’t underestimate your risk

Getting the right contractors liability insurance in place can  protect you from lawsuits, mishaps and third party property damage that can devastate your business.

Normally, you will need a few different categories of coverage for complete liability protection:

  • General liability: The foundation of all contractor insurance coverage is a general liability policy. This coverage will provide two types of protection:
    • Bodily injury: Provides coverage if you or someone you employ causes injury or death to a third party during the course of work. It provides for medical care for the injured person and covers your legal defense if you are sued for damages.
    • Property damage: Provides coverage if you or one of your employees causes damage to property belonging to others. This includes the building or property you are working on or any third-party property.
  • Completed operations/product: Provides coverage in case a project you finished has an issue or causes damage. It can also extend to any products you sell or distribute.
  • Advertising personal injury: Covers the risk of damaging another’s reputation or causing a loss through slander, libel or false advertising claims.
  • Contract liability: This covers you in a contract dispute. It is not always included in general liability coverage so verify that you carry this coverage with your insurer.

The specific contractors liability insurance coverage you need will be unique to your business. By working with a knowledgeable agent, you can ensure that you don’t have critical gaps in coverage that could leave you exposed to expensive legal claims.

Do you need a Business Owners policy?

The contractors general liability coverages can often be bundled with a few other coverages to create a business owners policy, or BOP.

This serves two purposes. It expands the policy to cover risks that small business owners face, and also typically results in a discount on the cost of your insurance.

Normally, this coverage will make sense for you if you have employees. A small business is basically defined as a business that has up to 100 employees and generates about $5 million or less in annual revenues.

Some of the additional coverages that can typically be bundled with a BOP include:

  • Property damage: This insurance covers your owned or rented property if it is damaged. This includes office buildings, storage facilities, warehouses, workshops, or garages. It does not cover commercial vehicles.
  • Business income: This protects you from loss of income if your business is interrupted due to a covered loss. It usually covers income and operating expenses for up to 12 months.
  • Commercial auto: Insures your cars, trucks, vans, specialized trucks or any vehicles used for business purposes.

Do You Need Workers Compensation Insurance?

As an contractor, you may or may not need to have workers compensation insurance. Workers Compensation regulations are mandated state by state. If you are in business for yourself, and you do not have employees, you are most likely not required to buy workers comp. However, in some states you need to purchase workers comp even if you don’t employ others.

If you are a contractor who employs other workers, your state will most likely require you to carry this insurance. This policy protects workers from job-related illness, injury or death. It will also reimburse workers for lost wages if they cannot go back to work. The benefit to you, as the employer, is that this coverage can help to prevent losses from employee lawsuits.

Should You Consider Professional Liability Coverage?

When you are looking for the right contractors insurance for your business, you will have many choices, including whether to buy professional liability insurance, also known as “errors and omission” insurance or “E & O.”

E & O is a liability policy that protects you if you make a mistake that causes a financial loss to a client. Similar to general liability, it will provide legal defense and claims settlements, if necessary.

You may want or need this coverage under the following circumstances:

  • You provide professional advice in your line of work. This can include everything from recommending a particular type of plumbing or wiring to providing interior design services.
  • You hire employees or subcontractors who provide any sort of advice or consulting services.
  • Your state requires you to have E & O insurance due to the work you perform.

If you utilize subcontractors, it is a good idea to make certain they are insured with professional liability as well, as they may not be covered by your policy.

One of the best things about our experience with this agency is the immediate response we always receive. In addition, the kindness and 'family feel' of being a long time customer makes us feel safe and appreciated.
Bonnie McNay
Bonnie McNay
Great and easy to do business with. :)
Evelyn Nicole Phillips
Evelyn Nicole Phillips
I just had a phone encounter with Dana Campbell to assist one of our insured with getting a new vehicle purchase added to their auto policy. Dana was very helpful and demonstrated her knowledge in this process. She is a pleasure speak to.
Jessica Phillips
Jessica Phillips
Quick turn around and responses. Very professional
A Floyd
A Floyd
Darrell Yarborough has always taken care of me and my family, any time I have ever called for information he’s always quick to help me out, always friendly and quick.
Jon Efird
Jon Efird
I have been with Nationwide for many years. Jason Bentley and his staff are friendly, helpful, and knowledgeable. These people will take care of you and treat you like family.
Angie Bailey
Angie Bailey
Great customer service.
Cheryl McClellan
Cheryl McClellan
Jason is the best! I recommend everyone I know to him!
Jen Mugnano
Jen Mugnano
Dana is fantastic. Knowledgeable, helpful and quick to respond!
Nancy Nesbit
Nancy Nesbit
Save me some$$. Switched from State Farm Insurance. Been with State Farm Insurance for 28 years. Just kept going up on their prices and found it for basically the same coverage for less$. It really pays to compare Insurance coverage no matter how long you've been with a company.
M Honeycutt
M Honeycutt
Dana has absolutely assisted our family for years with insurance issues. This last week she went above and beyond and even after hours to assist again. She is absolutely gold. Give her a raise Mr. Bentley...
John Andrews
John Andrews
We have always had excellent service from this agency because of Dana! We love her and her excellent knowledge that comes from experience. Highly recommend!
Angel Teems
Angel Teems
I am not exaggerating when I say that I am so excited to have Nationwide as my insurance agency! I was a Nationwide customer years ago, and I am happy to be back with such an incredible agency. The agents respond to emails very quickly and always answer the phone when I call the office. I am super happy to partner with such an amazing group of individuals to protect my family, vehicles, and home!
Alex Ventura
Alex Ventura
Very helpful and responsive to my questions and needs. I would highly recommend this agency to you.
Marvin VonCanon
Marvin VonCanon
Very responsive ,Always ready to help, Great friendly service.
Michael Chisholm
Michael Chisholm
Jason provides a level of personalized service that is unbeatable. He is easy to work with, quick to respond to questions and is very knowledgeable about the insurance profession. I’ve worked with him on both business, homeowner and auto policies.
Ashley Goodnight
Ashley Goodnight
I’ve been with your company for 20 years. Carissa is the best. She is amazing at what she does. Very compassionate. Heart of gold and really is an amazing person. Couldn’t ask for a better person handling my policy 💗
Angel Mae
Angel Mae
i’ve been with state farm for awhile until nationwide quoted me HALF of what i was paying. dana has taken very good care of me and made everything as easy as possible.
Jordyn Kroger
Jordyn Kroger
CARISSA KISER IS AWESOME- BEST CUSTOMER SERVICE OUT THERE AND KNOWLEDGEABLE AS WELL!
Marcie Pack
Marcie Pack
I have had insurance with the Jason Bentley Agency for a few years. Everyone at the Agency has had exceptional customer service. I have had to make some special requests or have asked crazy questions; 99.9% Carissa gets my call. She is always extremely nice and patient. Carissa makes calling easy and I feel she goes over her duties to make sure I am taken care of. Thank you to the Jason Bentley Agency and Carissa for providing exceptional service and support.
Amber Thomas
Amber Thomas
Jason is the best! Super responsive and easy to work with. I've worked with many different insurance agencies and his customer service is definitely the best. Highly recommend if you are looking for new insurance coverage!
Stacy Mackin Melton
Stacy Mackin Melton
The Bentley agency has providing me superior service for the last 8 years for auto, home, and life insurance policies. I would recommend them for all your insurance needs.
Riaz Kosi
Riaz Kosi
Jason is awesome!! Always has the best customer service. Would recommend him to anyone
heather Tilden
heather Tilden
Always get treated with respect have been going here for years
Luis angeles
Luis angeles
We been in partnership with this agency since 2002. Their customer service is hard to beat! Always responsive and willing to help out at a moments notice.
Suzanne Creed
Suzanne Creed
Excellent, very timely and professional service. Would definitely recommend this agent and office to any and everyone. We got just what we needed for our auto and home insurance. Great job to Jason and his office.
Logan Carl
Logan Carl
Great service! They resolved my issue in one phone call! We would refer them to anyone!
Don White
Don White

(704) 857-9512

1435 N. Main St. China Grove, NC 28023​

(704) 784-3300

646 Church St. N Concord, NC 28025