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Business Insurance for Permanent Yard Contractors
Permanent Yard Contractors
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Why do permanent yard contractors need insurance?
If someone vandalizes your equipment or steals materials from your construction storage yard, you could end up spending your profits on replacements. Permanent yard contractor insurance covers everything from theft to a lawsuit over an injury at your storage yard.
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Insureon helps permanent yard contractors compare small business insurance quotes from top U.S. carriers online.
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What types of business insurance do permanent yard contractors need?
These insurance policies cover the most common risks at permanent yards.
General liability insurance
This policy covers basic permanent yard contractor risks, such as a customer breaking an arm at your storage yard. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for permanent yard contractors.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp insurance for storage yards that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers bodily injuries and property damage caused by permanent yard vehicles. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries caused to another person
- Vehicle vandalism and theft
Contractor’s tools and equipment insurance
This insurance policy helps pay for repair or replacement of a permanent yard contractor’s equipment and tools. It's a type of inland marine insurance.
BEST FOR
- Equipment less than five years old
- Mobile equipment
- Small tools
Professional liability insurance
Professional liability insurance covers legal costs when a permanent yard contractor is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
Looking for different coverage? See more policies.
How much does insurance cost for permanent yard contractors?
A small storage yard will cost less to insure than a larger one.
Factors that affect premiums include:
- Services offered, such as equipment storage or maintenance
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get permanent yard contractor insurance?
It's easy to get business insurance for your permanent yard if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that fits your permanent yard business, whether you work independently or hire employees.
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