Contractor insurance and risk management
We are experts in protecting your company and personal assets. We specialize in the unique needs, coverage and policy types best suited for contractors.
Through our sister company Integrated Insurance Solutions we offer a full complement of mandatory and optional insurance coverage at very competitive rates with superior service. Complete insurance, asset protection and benefits for both commercial and personal needs:
Commercial Insurance
- General Liability insurance
- Unemployment Insurance
- Workers compensation
- Garage Programs
- Commercial vehicle coverage
- Surety Bonds
- Commercial umbrellas
- Builders risk
- Commercial property
- Professional liability insurance
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General Liability Insurance
We can help protect you and your company when being sued for injury or damage to someone, or their property. General Liability Insurance provides insurance against such liability losses as:
- 1) Premises and Operations Liability
2) Advertising and Personal Injury
3) Bodily Injury/Property Damage
4) Products and Completed Operations
5) Medical Payments
6) Fire Legal Liability
Professional Liability
Commonly known as malpractice insurance, it protects all kinds of professional against claims for damages resulting from alleged malpractice. A form of insurance that indemnifies the insured for any loss sustained because of an error or oversight on his part. For instance, an insurance agency purchases this type of coverage to protect itself against losses.
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Workers Compensation
State law requires that every employer provide Workers Compensation insurance for his or her employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by the state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.
Good news! As part of our program, you can now pay for your worker’s compensation insurance weekly instead of annually. What does this mean to you? It means you will have more cash in your pocket now to operate and grow your business.
This is just one of many ways we help you save money and improve your cash flow.
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Garage Programs
This policy fulfills the special needs of auto-related or transportation, courier type firms. The policy provides coverage for liability, medical payments, and physical damage for owned and non-owned vehicles. Additional coverage’s can be purchased to customize the policy to fit the particular needs of your business.
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Commercial Auto
Successful businesses understand the importance of reliable commercial auto insurance for their business vehicles. Integrated Insurance Solutions provides comprehensive commercial auto insurance, offering businesses a wide variety of coverage’s and broad acceptability of vehicles and drivers.
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Surety Bonds
Integrated Insurance Solutions offers a full range of surety bond products to compliment our commercial lines coverage’s or as stand-alone products. Whether you're looking for contract performance and payment bonds or commercial surety, Integrated Insurance Solutions has the bonds you need with competitive rates and superior service. Let us consult with you to get the right bond for the right application.
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Personal Auto Coverage
A type of auto policy that covers the insured’s personal vehicle for personal liability, physical damage, medical expenses, uninsured or underinsured motorist protection in case of an accident which is not related to business use.
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Commercial Umbrellas
This policy provides protection against catastrophic liability claims. The policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to that provided by the underlying coverage.
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Builders Risk
Insured’s engaged in construction of structures are exposed to special problems involving constantly changing values, special hazards associated with construction activities and the variety of interests involved in such projects.
Traditionally, such operations have been handled with the Builders Risk form. Basically, it provides coverage for your interest as well as the interests of others in buildings while under construction. Additional endorsements and extensions are included to ensure that adequate protection is provided.
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Commercial Property
A commercial property coverage form designed to insure most types of commercial property (buildings, or contents, or both). It is the most frequently used commercial property form, and has replaced the General Property Form, Special Building Form, Special Personal Property Form, and others.
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Homeowners Insurance
We represent over 20 insurance carriers for homeowners, providing you the very best rates and coverage to insure your home against damage or total loss due to fire, flood, earthquake, landslide, tornadoes, hail damage, wind, fallen trees or other natural disasters.
Homeowners insurance also protects you in case of a lawsuit or insurance claim filed from an individual who is injured while on your property.
Homeowners insurance also replaces and protects your personal property, including furniture, tools, firearms, jewelry and electronics due to theft or damage from disasters.
Life Insurance
We represent dozens of life insurance companies to ensure that you receive the best coverage at the lowest rates.
Auto Insurance
We represent dozens of life insurance companies to ensure that you receive the best coverage at the lowest rates. And we will periodically shop your policy for you to make sure that you always have the best rate available.
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Health/Dental
Keep your company's competitive edge by selecting benefits that attract and retain exceptional employees. Show your employees how much you appreciate their efforts by providing coverage from Utah's top rated health plans. By offering health plans, you can satisfy each of your employees' diverse expectations and needs, and know that you are providing access to quality programs and services.
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Section 125 Cafeteria Plans
We offer traditional and supplemental insurance coverage on a pre-tax basis. As well as flexible spending accounts (FSAs) for out of pocket approved medical, dependent care or transportation expenses.
Benefits to the Employer
Employers may add a FSA Plan as part of their benefit package. Because an FSA Plan offers a tax-advantage, employers experience tax savings from reduced FICA, FUTA, SUTA, and Workers’ Compensation taxes on participating employees. These tax savings reduce or eliminate altogether the various costs associated with offering the Plan. Meanwhile, employee satisfaction is heightened because participating employees experience a greater income at no additional cost to the employer.
Because increased participation means greater tax savings to the employer, many employers promote participation in the Plan by contributing to each employee’s FSA account.
Benefits to the Employee
The employee can pay for planned expenses on a pre-tax basis, which effectively increases their income.
Confused? No worries, our seasoned staff of experts will answer all your questions and guide you through the process to make sure you understand all your options and help you get you only what you need.
Questions? Contact us at Info@BeAContractor.com or within Utah at 800.639.2677 or from outside of Utah at 866.467.9955