January 8, 2024

A Safer Job for You and Your Clients: Why Wisconsin-Based Contractors Need General Liability Insurance

A Wisconsin contractor getting his tools from his truck on a job site in Pewaukee

Whether you’re tackling big or small projects – residential or commercial – being a contractor comes with risks, responsibilities, and potential liability. Despite Wisconsin’s workplace requirements, you might not carry General Liability Insurance yet – or maybe your policy leaves something to be desired. 

Working with an uninsured (or underinsured) contractor can feel like a decent cost-saving measure to certain clients, but in the long run, both sides are playing a dangerous game, and you’re essentially risking your career. That’s why we’ve outlined the best arguments for going into your next job with a rock-solid policy from Lindow’s network of insurance providers.

Avoiding Liability for Damages

Workplace accidents happen unexpectedly, and even the most skilled construction crews make mistakes. While homeowners' insurance may cover part of the resulting property damages, it has more limitations than you think. General Liability and Workers' Compensation Insurance team up to cover those gaps, protecting you and your team from the financial repercussions of accidents and injuries.

Credibility and Quality Assurance

In an increasingly online industry where reviews and reputation are everything, insurance is a testament to contractor reliability. Licensed and insured general contractors demonstrate a commitment to professionalism and pride in the quality of their work. Stand out from the competition and wear your qualifications as a badge of pride, rather than hoping your clients don’t ask too many questions.

Savings on Maintenance and Rework

Just like an investment in quality tools over the bargain bin options, insured general contractors can appear more expensive upfront. The strict codes and guidelines they follow, however, translate to long-term savings for clients. 

Working with an uninsured contractor negatively impacts property value when future inspections reveal additions or repairs that aren’t up to code. Plus, if you’re uninsured and a job you do requires expensive corrections, you’ll probably end up covering all the fixes (or “construction liability”) costs yourself. 

So What’s the best General Liability Insurance for Contractors in Wisconsin?

Wisconsin contractors are actually required to carry at least two critical insurance policies: General Liability Insurance and Workers' Compensation Insurance.

Liability Insurance covers damage claims resulting from poor-quality materials or workmanship, injury claims for on-site accidents, and the cost of fixing mistakes that don’t meet contractual standards.

Worker's Compensation Insurance helps protect both the contractor's crew and the client or property owner. Your policy will provide wage compensation and medical assistance in case of on-site injuries, insulating your business from large unexpected costs.

The great news is, Lindow has a network of over 40 insurance providers ready to tailor policies to your exact needs. Whether you’re involved in high-risk construction projects with specialized equipment or want to extend coverage to your subcontractors, they’ll work with you to secure the endorsements you need and leave out any coverage you don’t.

Final Thoughts

Wisconsin contractors are the backbone of our state's development, playing a pivotal role in shaping communities and infrastructure. That’s why we make insurance policies which allow them to do their best work for your business. 

The benefits of hiring an insured contractor are clear and hard to deny. Talk to us today and make a proactive investment in your business’ future and your clients’ peace of mind.

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