Construction Insurance in Morrow, GA
Construction insurance is a broad term for policies designed to safeguard construction businesses against financial losses. It can help you manage risks and meet legal or contractual requirements.
Common Construction Site Hazards
Construction sites in Georgia often involve serious risks. Falls from ladders, scaffolding or rooftops can cause severe injuries. Workers may be hit by falling tools or moving equipment, or get caught in machinery or between heavy objects. Georgia’s hot climate adds the danger of heat-related illnesses, and working near roads increases the chance of traffic-related incidents.
Why Construction Insurance Matters
Georgia’s construction sector is dynamic but also subject to state regulations and local risks. Construction insurance can help you:
- Meet state and client requirements
- Financially protect your assets and employees
- Minimize project delays due to unexpected losses
- Build trust with clients and partners
Essential Coverage Options for Contractors
Construction policies may be customized to include various coverage options, such as the following:
- General liability insurance may help with losses from third-party claims of bodily injury, property damage or personal injury.
- Builder’s risk insurance may cover buildings and materials against perils such as fire, theft and vandalism.
- Workers’ compensation insurance may help pay for medical expenses and lost wages if a worker is injured or falls ill because of work.
- Commercial auto insurance may provide financial protection for vehicles used for business purposes.
- Contractor’s equipment coverage may cover valuable tools and equipment against theft, damage or loss.
- Professional liability insurance may cover your business in case of claims of negligence or mistakes in your professional services.
How We Can Help
First Priority Insurance Agency specializes in Georgia construction insurance and understands the local regulations and risks. We can help assess your exposures and recommend appropriate coverage. Contact us today to get started.