This coverage helps if there’s damage to property used by you or your employees that belongs to someone else. It has a limit of $2,500 per occurrence, with a $100 deductible.
Property damage caused by a subcontractor will be considered caused by an “occurrence” when coverage is provided. This applies in situations, like a court ruling, when faulty work by a subcontractor, that results in property damage, is not otherwise considered an “occurrence.”
We offer many other coverages to meet your contractual needs, including: Additional insured options; Waiver of subrogation; and Primary and non-contributory.
Coverage for your work vehicle or an entire fleet.
Additional coverage when you need to go above and beyond your regular policy.
What you need when something you didn't expect goes wrong.
Protect yourself and your staff if there's an injury or disability on the job.
Builders Risk and Installation Floater
“Floater” coverage is for anything that floats, or moves from place to place — like your supplies and machinery. It also covers damage to the structures you’re working on, including scaffolding, foundations, and more. We offer automatic coverage of $5,000 with additional limits available.
Business Income and Extra Expense Actual Loss Sustained — No Waiting Period
If you can’t operate your business because your property or equipment is damaged, we’ll help cover your costs, up to the actual amount of lost income.
Coverage on your tools has a limit of $1,000 per tool, with an automatic $2,500 for small tools. It also has a $500 deductible.
Signs Attached to Buildings
If your business has a sign outdoors that’s permanently attached to your building, we’ll cover up to $2,500 to repair or replace it if it suffers certain kinds of harm. It includes a $100 deductible.
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
There are contractors for every part of the house — from electrical work to basement plumbing. But not much can be done on a house until there’s a frame in place to build on.
Between April 2018 and April 2019, total building permits for Illinois increased 19% (throughout northern...Full story
Whether you’re putting in acres of corn or planting a few flowers on your windowsill, you know it’s time to get plants ready to grow. A big project calls for a professional, and a landscape gardener’s expertise can take your yard from a few attractive plants to a beautiful, functional...Full story
The information on this page is made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)