If you are a New York Independent Contractor, you know that even when you plan everything out in specific detail, things can go wrong. Faulty materials, human error, and other factors can cause injuries and accidents on the job. This is why independent contractor insurance is so important to have; and why it should be tailored to meet your specific needs.
What is the Definition of an Independent Contractor?
If you are an independent contractor in New York, you provide services or goods to another within a verbal agreement or under specific terms of a contract typically using your own tools, resources, and processes. You don’t work for an employer, like an employee does, but rather you work when needed where you are subject to a law of agency. If an employer-employee relationship exists, you are an employee rather than an independent contractor.
Who Needs Independent Contractor Insurance?
There are a number of different types of New York independent contractors who require this type of insurance as well as other coverage to meet their specific risks. Some types of independent contractors include:
- Construction contractors
- Carpenters, painters, plumbers and electricians
- Carpet and home cleaners
- Landscapers
- Handymen contractors
- Dog or horse trainers
- Editors, freelance writers and graphic designers
- Salon professionals and independent hair stylists
- And many more.
Ensuring you are protected with adequate independent contractors insurance is important and will protect you from mishaps, lawsuits and damages that could cost you a lot of money.
What is Independent Contractor Insurance?
Independent contractor insurance is insurance coverage that covers you for damages and payments that you, the contractor, cause. Since you work separately, you are not covered by company’s insurance. You will be responsible for your own liability insurance.
How Do I Get Independent Contractor Insurance in New York?
There are a couple of options for independent contractors looking to get this type of insurance coverage.
- You can be added to a General Liability policy if working for a general contractor. This will mean that you are covered by their insurance while you are performing a specific job for them.
- You can get your own General Liability insurance policy. All you would need to do is add it to your contract so the business you are working for knows that you are covered.
Why Choose GRBM Insurance for Independent Contractor Insurance?
Because independent contractor insurance is so important, it’s essential that you pick the right insurance company to work with. Some benefits of choosing us include:
- We’ve been around for over 40 years.
- We are family operated and owned.
- We provide you your certificate of insurance in 90 minutes.
- We are located in New York and serve the tri state area.
- We are an independent insurance agent.
Your insurance can also be packaged to serve your business with not just general liability coverage, but we can also combine umbrella liability, workers compensation, commercial auto insurance and more if needed. You will get affordable premiums and the best in coverage if working with us since we work with insurance companies that are A-rated.
Once you have independent contractors insurance, you will likely have to prove it to your clients. This is where your certificate of insurance comes in. Your coverage will be tailored specifically to meet your short and long-term needs and we will help ensure you get the proper coverage levels for each job you do or by the year.
Call us here at GRBM Insurance at 845-878-9293 for your New York independent contractors insurance needs.
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