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.

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 outdoor area.

A landscape gardener designs an outdoor space, plants flowers, lays mulch on garden beds, and more. It doesn’t have to be plants, either: outdoor living can include fire pits, walkways, and water features, too. No matter what the day’s project is, a landscape gardener will be working outdoors with a crew and has to carry tools and supplies with them every time they’re on the job. A landscape gardener also needs quality Hastings Mutual insurance coverage to make sure the business and its workers are protected.

• Selected Contractors: Our policy includes coverage for equipment and your tools. It’s meant to protect you and your business from before you provide a quote to after you’ve raked, shoveled, and improved your client’s property.
• We offer two versions of this coverage, depending on your company’s number of full-time employees, annual gross receipts, and the percentage of your work that’s sub-contracted to other workers.
• Commercial Auto: While Hastings Mutual offers coverage for your personal vehicle, our commercial auto coverage is what you’re looking for when you need insurance on a truck or other work vehicle.
• Workers’ Compensation: Your employees work hard and need protection if they’re hurt on the job. Workers’ compensation policies are often required by law — your agent will know about what’s available from Hastings Mutual, and what’s vital for your business.

Find exactly the coverage you need. Contact your local independent insurance agent and ask about our selected contractors coverage.

The Mutual Understanding blog and Hastings Mutual videos are 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.

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