Contractors Insurance

Contractor General Liability

  • Chairman Insurance Services has a dedicated Contractor Insurance Specialist waiting to help you! We begin by doing a quick but thorough analysis of your current insurance and quickly provide you with the most competitive rate.  Contractor Insurance requires knowledge of the industry and our Contractor Insurance Specialists are always maintaining themselves informed of what each city or municipality might need for permit requests. Chairman Insurance Services understands all requests are usually urgent because a job needs to start or because a payment is being held back. Rest assured our Contractor Insurance Specialists will make sure your certificates are sent on time and that your insurance requirements are met from the start.
  • Contractor General Liability will provide coverage for 3rd party liability. Are you covering yourself or are you covering your employees as well? Chairman Insurance Services will make sure all possible losses or situations which may require an insurance claim are explained to you in detail. From the smallest damage like the homeowner stepping on a nail to a plumbing repair gone bad and flooding an entire room. Our Contractor Insurance Specialist will make sure to have you covered regardless of the situation.
  • Chairman Insurance Services will always make sure your insurance needs are met. If an urgent insurance situation ever arises and you need to consult with one of our Contractor Insurance Specialist please regarding requirements on a new job or if you need a copy of your certificate to secure a job call us immediately.

    1. Chairman Insurance Services has a dedicated Contractor Insurance Specialist waiting to help you! We begin by doing a quick but thorough analysis of your current insurance and quickly provide you with the most competitive rate.  Contractor Insurance requires knowledge of the industry and our Contractor Insurance Specialists are always maintaining themselves informed of what each city or municipality might need for permit requests. Chairman Insurance Services understands all requests are usually urgent because a job needs to start or because a payment is being held back. Rest assured our Contractor Insurance Specialists will make sure your certificates are sent on time and that your insurance requirements are met from the start.
    2. Contractor General Liability will provide coverage for 3rd party liability. Are you covering yourself or are you covering your employees as well? Chairman Insurance Services will make sure all possible losses or situations which may require an insurance claim are explained to you in detail. From the smallest damage like the homeowner stepping on a nail to a plumbing repair gone bad and flooding an entire room. Our Contractor Insurance Specialist will make sure to have you covered regardless of the situation.
    3. Chairman Insurance Services will always make sure your insurance needs are met. If an urgent insurance situation ever arises and you need to consult with one of our Contractor Insurance Specialist please regarding requirements on a new job or if you need a copy of your certificate to secure a job call us immediately.

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Tools and Equipment

Yes your tools need coverage too! Contractors usually assume the tools are covered it is important you know they are not. Inland Marine Insurance is the only way tools are covered.

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Builders Risk

Chairman Insurance Service will have you covered with top of the line Builders Risk coverage. Our Contractor Insurance Specialist will provide you with a proposal based on the needs of your project. Builders Risk usually provides coverage for :

  • Construction Default
  • Vandalism
  • Fire
  • Theft


Type of property insurance that indemnifies against damage of building while they are in construction. Protects a person or organization interest in materials, fixtures and equipment used in the construction or renovation. Covers perils such as fire, wind, theft and vandalism.  
Note: “Acts of God” such as earthquakes and floods are not usually covered with Builders Risk.

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Commercial Auto Insurance

Chairman Insurance Services has an agent ready to provide you the best and affordable quote for your Commercial Auto vehicle. Commercial Auto Insurance is a very similar coverage to personal auto, both provide the same liability coverages such as personal injuries, uninsured motorist protection, any lawsuits costs caused by accidents, collision, and theft.

 

What’s the difference between these two? Commercial Auto has specific eligibility requirements. Some of the requirements would be the following: vehicle is owned by the company, vehicle is driven under a commercial property, has a weight of more than 10,001 pounds, is used for business purposes like transfer goods / people for a fee or any large value of items.

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Workers’ Compensation Insurance

Employers are not required to provide WC if they receive 1099 forms at the end of the year. contractors just have to make sure to actually be an independent contractors under IRS rules. People who work for themselves/tradespeople if possible to get WC, get it, you save money. Regulations depends by state.  

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Contractor License Bonds

Many local, state, and federal laws require that a bond be furnished before someone can obtain a license/permit. These bonds fall into two general categories: 1. Those designed to guarantee that laws/regulations are followed ( funeral directors, real estate brokers and private detectors MUST be bonded. The second category is designated to guarantee certain taxes are paid ( sales of gasoline, liquor and tobacco).

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Contractor Bid Bonds

Contractor Bid Bonds is a debt secured by bidders for a construction job or something similar. Provides a guarantee to the project owner that the bidder will take care of the job if selected.

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Contractor Payment Bonds

Contractor Payment Bonds (also known as Labor/ Material Bonds) guarantees that a principal will complete and deliver the work free and clear of liens or encumbrances. Payment bonds assure the owner that if the contractor does not pay all these bills for labor and material used for the project, property will nonetheless be turned over without attachments.

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Contractor Performance Bonds

A performance bond guarantees an owner (obligee) that the contractor will complete the original contract as drawn. If the original contractor fails to complete work on time, surety will cover any losses related to the delay in construction.

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Business Insurance

Commercial General Liability

Commercial General Liability is an insurance policy issued to many business organizations. It is a standard insurance policy that will protect your business against any liability claim arising from another person or business’ claim against bodily injury, property damage, or personal injury. Important note: General Liability does not cover everything such as employees injuries to fall commonly known as ‘slip and fall’, damage to property from a disaster, negligence, and or any professional mistakes. We may provide you with other insurance policies that will cover those incidents.

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Workers’ Compensation Insurance

Workers Compensation is an insurance policy required by almost every state to all employers who carry at least one employee. It will protect your small business from getting sued by your employees who are working under harmful conditions. It will provide coverage for any employee who is unable to work due to an injury at work. However, this insurance policy will not cover if an employee is intoxicated. Workers compensation will cover, medical bills if an accident occurs during work hours. It will also pay disability and wage replacement. 0

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Commercial Auto Insurance

Chairman Insurance Services has an agent ready to provide you the best and affordable quote for your Commercial Auto vehicle. Commercial Auto Insurance is a very similar coverage to personal auto, both provide the same liability coverages such as personal injuries, uninsured motorist protection, any lawsuits costs caused by accidents, collision, and theft.

 

What’s the difference between these two? Commercial Auto has specific eligibility requirements. Some of the requirements would be the following: vehicle is owned by the company, vehicle is driven under a commercial property, has a weight of more than 10,001 pounds, is used for business purposes like transfer goods / people for a fee or any large value of items.

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Commercial Property Insurance

Do you own or lease a building for your business? You will want to protect your business physical assets with Commercial Property Insurance. An insurance policy for businesses and other organizations that will insure against damage to their buildings and contents due to a covered cause of loss, such as a fire, storm, or other event. Also pays to replace stolen or lost property.

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Business Owners Policy (BOP)

Provides broad package of coverages for small, medium sized buildings, offices, and retail stores. Includes mandatory property and liability coverages and will offer optional coverages. Provides property insurance for buildings and its contents. There is two types, standard and special which provides more comprehensive coverage.

*BOP does not cover auto insurance, workers comp, professional liability, health or disability.   

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Professional Liability (E & O)

Professional Liability policy also known as Errors & Omissions provides protection for your professional services, businesses, from claims of negligence or failing to perform your professional duties. A form of liability insurance which helps protect individuals and companies from bearing the full cost of defending against a negligence claim made by a client. Chairman insurance services protects your business from civil lawsuits by offering you the best quotes and coverage needed for your business!

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Restaurant Insurance

Keep your restaurant safe and running! At Chairman Insurance Services we want you to keep your restaurant running with no problem. We can provide a package with the amount you need for your restaurant. Coverage for restaurant vary depending on your restaurant needs and neighborhood requirements.

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Retail Insurance

With clients coming in and out, merchandise on display and vendors to manage your business is on risk all the time! A retail insurance can cover your business from many problems. From vandalism, to Slip-&-Fall, customer lawsuits and much more. Protect your business and your merchandise.

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Contractor Insurance

Helps you protect yourself financially from lawsuits and costly claims. It also provides coverage for bodily injury (BI), property damage and claims happening after project and construction is done.

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Personal Insurance

Homeowners Insurance

Do you own a home? Chairman Insurance Services will help you protect your personal assets with Homeowners Insurance. Homeowners Insurance covers damage to property / liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Covers any damage except; natural disaster such as floods, earthquakes or poor maintenance.

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Auto Insurance

Auto Insurance is required by law! At Chairman Insurance Services we provide a wide variety of coverages for your needs at an affordable price. Having the proper insurance will provide financial protection against physical damage (PD) , Bodily inured (BI) and cost repair of car in case of an accident. Auto liability

typically follows the car. Limits are mandated by state law 100/300/100.

      • DUI   
      • SR22    
      • Good     
      • Driver Discount     
      • No License      
      • Tickets


* Your auto insurance can also cover a rental vehicle.

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Motorcycle Insurance

Protect your motorcycle from any damages caused by accidents.  provides financial protection in case of an accident, loss, theft or damage. You can also cover your accessories like leather jackets, helmets and backrest. Includes liability protection in case you are responsible for another person’s property damage or injuries. Prices vary from $200 – $500 a year, depending on your record and age.

  • Street bikes
  • Liability, comprehensive and collision.
  • Street bikes
  • ATV’S ( dirt bikes )

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Boat Insurance

Boat Insurance covers loss or damage to boat. It covers most watercrafts with motors, like fishing boats, paddle boats, leisure crafts and yachts. Mostly won’t covers kayaks, canoes or personal watercrafts. It also can cover you from liability lawsuits.

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RV Insurance

Cover your RV from any accident if you are at fault or not most policies offer full coverage. RV insurance is required in every state just like auto and require a minimum amount of liability insurance; in addition, some require uninsured and underinsured motorists coverage. Collision and comprehensive insurance limits are determined by you, the consumer.

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Renters Insurance

Renters Insurance sometimes referred as (H04) protects your belongings in case of fire, theft, or vandalism. You set the limits and coverages you want, (you may also need general liability coverage for damages caused by negligence).  Renter’s insurance policy also covers a tenant’s liability in the event that a visitor is injured on the premises. All these coverages are NOT covered by your landlord.

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Flood Insurance

At Chairman Insurance Services we care about you and your family. Protect your home and assets from damage caused by floods. Depending where you live in California, the state will require flood insurance in some zones.  Homeowners policy will cover some damage from rain, but if your home is filled with water as a result of rising bodies of lakes, rivers, streams, and oceans, it WON’T cover you. You need a separate flood policy through the federal govt., National Flood Insurance Program (NFIP).

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Personal Umbrella Insurance

Personal Umbrella Insurance is an extra liability insurance designed to help  protect your business from a major claim and lawsuit. It helps protect your business assets and the future of your business. Personal Umbrella Insurance is an additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.This coverage comes into play when your underlying liability limits have been reached.

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Client Services

Chairman Insurance Services wants to make sure customer service is never an issue. We want to ensure your service is attended when you need it not when we need it, there for through this page you are able to leave us a message 24 hours a day. All requests will be handled by next business day if not within hours.

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Bonds:

What is a Bond? A bond  guarantees that specific obligations/ requirements are fulfilled. Is a written contract between 3 parties: 1.a principal: person buying the bond, 2. An obligee: person requesting the bond and 3. A guarantor/surety: government agencies/companies that work regulating financial loss.  

Why do I need a bond? Surety bonds are required by federal fund construction products. Bonds are needed when you want to bid on private contracts, public contracts or state contracts. Some are mandatory for projects over $150,000 or state.

Chairman Insurance Services offers you the best rate for your car insurance needs. We offer a variety of options for coverage: uninsured/underinsured, collision, liability, medical and liability. All drivers in California are required to have liability by law.