INSURANCE FOR
BUSINESS STRATEGIES FOR
What Contractors Need Protected
Contractors face complex, high-exposure risks on every job site. Whether you’re a general contractor, specialty trade, or independent subcontractor, the right insurance strategy protects your:
✓ Jobsite operations
✓ Tools, equipment & materials
✓ Liability exposure
✓ Employees & subcontractors
✓ Cash flow & ongoing projects
✓ Contracts and compliance requirements
Your risks move with you—from job to job—so your insurance needs to move with you too.
Contractors Typically Need Protection For:
General Liability
Protection if your work causes injury, property damage, or lawsuits.
Tools, Equipment & Inland Marine
Coverage for mobile tools, equipment, and materials—on-site, in transit, or in storage.
Workers Compensation
Protects employees and keeps you compliant with state requirements.
Commercial Auto / Fleet
For trucks, vans, trailers, and vehicles used for work.
Surety Bonds
For bidding, contract performance, and licensing requirements.
Builder’s Risk
Coverage for structures under construction and materials on-site.
Note: Most larger jobs require proof of insurance, specific endorsements, and COIs delivered quickly. We handle all of that for you.
Why Contractors Need a Strategic Insurance Plan
Contractors face higher-than-average claim frequency and strict contract requirements. Without proper coverage you may face:
Contract delays or disqualification
Out-of-pocket costs for tools or equipment loss
Lawsuits from jobsite injuries
Missed deadlines due to uninsured incidents
Financial strain from liability or property claims
Compliance issues with licensing boards or GCs
Common claim scenarios include:
Ladder and fall injuries
Water, fire, or electrical damage caused during work
Stolen tools or equipment
Vehicle and trailer accidents
Subcontractor-related claims
The right insurance isn’t just protection—it’s a business advantage.
How We Match You With the Right Policy
Every carrier evaluates risk differently. We guide you through:
Industry classification
Employee exposure
Risk factors
Operations and service areas
Contract requirements
Loss history
Coverage limits and endorsements
Then we shop multiple top-rated carriers to compare pricing and coverage options.
As CEPA-informed advisors, we also ensure your liability structure supports your broader business goals, cash flow, and long-term value.
Why Businesses Trust Wasatch Preferred
Fast Certificates
COIs delivered quickly so you never miss a job or delay operations.
Competitive Carrier Access
We represent top carriers across Utah, giving you more choice and stronger options.
Clear Guidance
We simplify the process so you understand your policy—and your protection.
Strategic Insight
Insurance isn’t just a requirement—it’s a financial safeguard. We help ensure your coverage aligns with your business performance and future goals.
Get a General Liability Quote
Whether you’ve had coverage for years or are getting your first policy, we make the
process simple and fast.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.
License information is available upon request and varies by state.
Insurance products are offered through Wasatch Preferred.
Coverage availability and eligibility vary by carrier and state.
CEPA advisory services are provided in a non-fiduciary,
non-investment advisory capacity and do not include legal,
tax, or investment advice.
Insurance services are provided by properly licensed agents.