Selected Contractors Insurance

When you're on the job site, you're focused on safety and getting the work done right. With Hastings Mutual, you won't need to worry about insurance coverage.

Coverage Highlights

 Broadened Coverage

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.

 Sub-contractors Coverage

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.”

 Coverages for contractual needs

We offer many other coverages to meet your contractual needs, including: Additional insured options; Waiver of subrogation; and Primary and non-contributory.

Other Features Include…

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.

Small Tools

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.