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Contractors Insurance in Vancouver and Ridgefield, WA

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractors Insurance Package Covers

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

  • A Business Owner's Policy
  • General Liability Insurance
  • Worker's Compensation
  • Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Altech Insurance Agency can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Altech Insurance Agency's goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you're one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

 

1. "About the Specialty Trade Contractors Subsector." U.S. Bureau of Labor Statistics. Accessed April 20, 2016. http://www.bls.gov/iag/tgs/iag238.htm.

2. "Sole Proprietorships vs. LLCs." Nolo.com. Accessed April 28, 2016. http://www.nolo.com/legal-encyclopedia/sole-proprietorships-vs-llcs.html.

3. Utschig, LeRoy. "Contractor's Equipment." Rough Notes. Accessed April 20, 2016. http://www.roughnotes.com/rnmagazine/1997/sept97/09p98.htm.

Our Location

Altech Insurance - Vancouver, WA

7813 NE 13th Ave
Vancouver, WA 98665
Main office: 360-573-3080
Fax: 360-573-7750

Our Providers

Testimonials

I've been using Altech for my insurance needs for over 15 years and have yet to be disappointed. They are the best at shopping for policies, they're easy to work with and have always been more than helpful. I would not hesitate to recommend them to anyone of my friends or family members.

Mik H.
The best insurance agency I have ever dealt with - and there's been a long list!!!!!!

Ron S.
They are understanding, caring, thoughtful, professional, and knowledgeable. I trust them and know that they have my best interest at heart. I can't imagine going anywhere else because they make me feel like their top priority whenever I call. Thank you Altech for being always being there for me and always making me feel welcome.

Steven E.
7+ years of dealing with Altech, for auto and renters insurance, we're very happy. Everyone we've referred is also very happy. Honest, quick service, return calls when they say they will, that's a big deal around here.

Gary V.
A Lasting Tradition of Excellence, Caring & Honesty is a wonderful motto for this company. Thank you Altech for your wonderful years of taking care of my family.

Sheryl L.
As a small business owner, finding true professionals to work with can be a task in itself. After contacting a number of insurance agents, I felt a kindred soul with Neil at Altech Insurance. I highly recommend Neil and his team for all your insurance needs.

Dustin
Altech Insurance Agency is the best. Thanks for all your help.

Dan and Jenny
Altech is a full service agent that will be there with you from the inception of your policy and available to answer all your insurance questions. I would highly recommend them for any of your insurance needs.

Chris S
Altech actually answers the phone and took as much time as I needed to answer my questions. It has been a stroke of luck to find an agency that puts me first, and listens and explains insurance so I can understand it. I would highly recommend giving them a call!

John W.
My family has been with Altech Insurance since January 1, 2003. Neil Worland and staff has taken care of our Home, Auto, Boat, and life insurance for all these year. This office is just wonderful, you feel like you have a friend when you need something or HELP, even after office hours.

Sheryl L.
Altech has always treated us well and with respect. They are not only in business to make money, but also to build relationships with their clients. They will work to get you the best deal and will always make sure you have the amount of coverage and the right coverage for your needs. I have never felt like a number when dealing with them. I highly recommend them for all of your insurance needs.

Mike R.
The best insurance agent we have ever had. Gives us the best prices on our insurance plans every year. Exceptional customer service. Answers the phone and gets information to us super fast. We will never use another agent. We are spoiled with Neil, thank you, thank you!

Pam H.