Utopia Insurance Services
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Contractors Liability

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Utopia Insurance Services specializes in Contractors Liability Insurance. This insurance protects against loss when bodily injury and property damage occur before or after the completion of a work order. Contractors Liability Insurance is almost always required by contract before any operations begin.

The Value of Coverage:

Utopia Insurance agents can provide Contractor General Liability (CGL) coverage to all industries at rates as low as $1,200 a year. Our brokers compare quotes from dependable insurance carriers around the country so our customers can avoid the hassle of shopping themselves. Utopia Insurance prices are a mark of our extensive product knowledge as well as effective market research and analysis.

Your Exposure to Loss:

Bodily injury and property damage are some of the main hazards contractors face, and they are liable both before and after a job is complete. Contractor General Liability covers:
  • Premises/Operations: This portion pays for all bodily injury and/or property damages that take place while an operation is in progress. The policy will cover various "perils", or problems that can result in damages. The insurance will pay for perils that arise from ownership, maintenance, or use of premises. You are also covered when principal business operations are performed away from your premises.
  • Completed Operations: This portion of your liability insurance covers possible liability for bodily injury and/or property damage after your work is complete and you have left the job site.

Insurance requirements:

Most contractors are required to have Contractors General Liability Insurance by their:
  • Clients
  • Government regulations or a government agency employing your company

In order to protect themselves and their investments, many employers require this coverage by contract.

Utopia Insurance Services:

Utopia Insurance brokers understand that our customers require a fast quote turnaround, a quick and easy signing, and convenient payment options. To streamline services, Utopia Insurance provides our customers with:
  • The option to pay by MasterCard, Visa, or check by phone
  • Competitive choices from only highly rated insurance carriers
  • A certificate of insurance that arrives quickly and on time
  • The right overages and the right clauses
  • Fast quotes and assessments at the lowest prices possible

After Utopia Insurance has brokered an insurance package, our customer support team will provide:
  • Billing options: our account managers can create plans that bill monthly, every 6 months, or in full
  • Assistance with proof of insurance, additions, deletions, or any changes required in your policy

Completing Your Package:

Contractors General Liability insurance is often does cover every eventuality, and other insurance plans are required to be fully protected. Most contractors who purchase General Liability insurance from Utopia Insurance, also purchase:
  • Contractors Equipment Coverage
  • Installation Floater
  • Commercial Auto
  • Workers Compensation

Blanket Additional Insured Endorsements & Course of Construction coverage is available for:
  • Custom Builders
  • Concrete (paving) Contractors
  • Electrical, Plumbing
  • Painting
  • Roofers
  • Landscapers
  • Gardeners
  • Masonry
  • Sheet rockers
  • Air Conditioning / Heating
  • Residential Remodeling
  • Handyman Operations

To better understand your insurance needs and obtain the service that is best for you, please contact Utopia Insurance Services right now at (877) 867-1467.
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