General Contractor Insurance
Build With Confidence
As a general contractor, you’ve got a lot riding on each project—managing teams, timelines, and tasks all while keeping an eye on the bottom line. The last thing you need is to worry about potential risks that could derail your hard work. That’s where we come in. At Ford Insurance, we understand the unique challenges of your industry and offer comprehensive coverage that’s tailored to your specific needs, so you can keep building with confidence.
What we cover
General contractors face a wide range of risks, especially when working with Artisan Contractors, Skilled Tradespersons, or Subcontractors. You need coverage that’s as solid as your foundation, designed to handle whatever comes your way. Here’s a breakdown of what you’ll typically need:
General Liability
Protects against third-party claims for property damage or injury caused by your work.
Commercial Auto
Covers vehicles used for business, from transporting materials to getting to and from job sites.
Property Damage Insurance
If there’s damage to the project site or surrounding property, this coverage helps take care of it.
Workers’ Compensation
Provides protection for you and your crew in case of on-the-job injuries.
Bodily Injury Insurance
Covers medical expenses and potential legal fees if someone gets hurt on the job.
Why The Ford Agency
At Ford Insurance, we believe in protecting what you build. From small jobs to large-scale projects, our team is here to ensure you have the right coverage in place to keep things running smoothly. With policies that are customized to your unique business needs, you can focus on what you do best—getting the job done.
AUTO INSURANCE
What factors affect my auto insurance premium?
Your auto insurance premium is determined by a combination of factors, including your driving history, the type of coverage you select, the make and model of your vehicle, your location, and even your credit score. Safer drivers with clean records typically pay lower premiums, while high-risk drivers may face higher rates. The specific details can vary between insurance companies, so it's essential to discuss your unique circumstances with one of our experienced agents to get an accurate quote tailored to your needs.
Can I add additional drivers to my auto insurance policy?
Yes, you can usually add additional drivers to your auto insurance policy. This can include family members, friends, or other individuals who regularly drive your vehicle. However, it's essential to provide accurate information about all drivers and their driving history when adding them to your policy.Keep in mind that adding drivers with a poor driving record or a history of accidents may increase your insurance premium. Conversely, adding experienced, safe drivers can sometimes lead to lower rates.
What happens if I let someone borrow my car, and they have an accident?
If you lend your car to someone and they have an accident, typically your auto insurance policy would be the primary coverage in most cases. Insurance typically follows the car, not the driver. So, your insurance would likely be responsible for covering the damages to your vehicle and any liability associated with the accident.However, it's essential to check your policy and consult with your insurance provider because coverage can vary. Some policies may exclude certain drivers or have restrictions on who can use your vehicle. Additionally, if the person borrowing your car has their own auto insurance, their policy might provide secondary coverage.
What types of auto insurance discounts should I expect?
Car insurance often isn’t cheap, but you can cut costs by getting a discount. There are auto insurance discounts for a variety of reasons, including owning a home, driving safely and getting good grades.
The most common types of discounts you can get are for:
Early shopping.
Driver history.
Employment, Education and Group Affiliations.
Vehicle features.
Personal traits.
Customer loyalty.
Multiple policy customers.
