Seguro de contratistas: cobertura, costos y proveedores

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Seguro de contratistas: cobertura, costos y proveedores

El seguro de contratistas se refiere a un grupo de p√≥lizas que cubren los riesgos que suelen enfrentar los contratistas. Por ejemplo, la mayor√≠a de los contratistas necesitan responsabilidad general para cubrir reclamos que causaron lesiones o da√Īos a la propiedad de otras personas. Los contratistas generalmente pueden combinar esta cobertura con un seguro de propiedad en la p√≥liza de propietario de una empresa (BOP) por alrededor de $ 1,300 a $ 6,000 por a√Īo.

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Cómo funciona el seguro de contratistas

Los proveedores no ofrecen una póliza llamada seguro para contratistas. Venden pólizas individuales, como responsabilidad general , propiedad comercial y riesgo del constructor, y puede seleccionar las pólizas que mejor se adapten a sus operaciones. Muchos proveedores agrupan el seguro de los contratistas en la póliza de propietario de una empresa (BOP). De esa forma, pueden ofrecer coberturas importantes a una tarifa con descuento.

Los BOP generalmente incluyen seguros de responsabilidad general y de propiedad comercial . El seguro de responsabilidad general cubre el costo de las demandas de terceros y la propiedad comercial paga para reparar o reemplazar la propiedad de su negocio cuando se da√Īa por un evento cubierto. Para los contratistas, las aseguradoras pueden incluir otras p√≥lizas esenciales como autom√≥viles comerciales y compensaci√≥n para trabajadores.

Para quién es adecuado el seguro de contratista

El seguro de contratista es una buena opción para casi cualquier individuo que celebre contratos para brindar servicios a otros propietarios de negocios. Los contratistas independientes, o autónomos, se pueden encontrar en casi cualquier industria, pero el término contratista se usa con mayor frecuencia en la construcción. En esa industria, el seguro de contratistas es más que una buena idea, a menudo se requiere para las licencias. Haga clic en el enlace a continuación para ver los requisitos de seguro del contratista para su estado.

Requisitos de seguro para contratistas por estado
MontanaNebraskaNevadaNew HampshireNew JerseyNuevo MexicoNueva YorkCarolina del NorteDakota del NorteOhioOklahomaOregónPensilvaniaRhode IslandCarolina del SurDakota del SurTennesseTexasUtahVermontVirginiaWashingtonVirginia del OesteWisconsinWyoming
Alabama

¬ŅSe requiere licencia estatal? Requisitos de seguro Contacto
  • Licencia de contratista general requerida para proyectos comerciales por valor de $ 50,000 o m√°s
  • Se requiere licencia de contratista general para proyectos de piscinas por valor de $ 5,000 o m√°s
  • Home builder license required for residential projects worth $10,000 or more
  • General liability insurance required for all contractors
  • Workers’ comp required if you have employees
Alabama Licensing Board for Contractors
State of Alabama Home Builders Licensure Board

Alaska

State License Required? Insurance Requirements Contact
  • Yes
  • Surety bond – all contractors, amount required varies by license
  • General liability
  • Workers’ comp required if you have employees
Division of Corporations, Business, and Professional Licensing

Arizona

State License Required? Insurance Requirements Contact
  • Yes. Residential contracting and commercial contracting are separate, but dual license is available
  • Surety bond, amount required varies by license
Arizona Registrar of Contractors

Arkansas

State License Required? Insurance Requirements Contact
  • Commercial contractor license required for projects worth $50,000 or more
  • Residential contractor license required for projects worth $2,000 or more
  • Surety bond of $10,000 required for commercial contractor
  • Workers’ comp,if you have employees
Arkansas Contractors Licensing Board

California

State License Required? Insurance Requirements Contact
  • License required for projects that exceed $500
  • Surety bond of at least $15,000
  • Workers’ comp required if you have employees
Employment Development Department

Colorado

State License Required? Insurance Requirements Contact
  • No state license required, but cities and counties may have their own requirements
  • State license required for some specialty contractors
  • General liability insurance maybe required by local governments
  • Workers’ comp required if you have employees
Colorado Department of Regulatory Agencies

Connecticut

State License Required? Insurance Requirements Contact
  • State license required for major contractors (large residential, commercial, and institutional projects)
  • General liability insurance
  • Workers’ comp required if you have employees
Department of Consumer Protection

Delaware

State License Required? Insurance Requirements Contact
  • Yes
  • Surety bond woth 6% of contract’s value for projects with a total value exceesing $20,000
  • Workers’ comp, if you have employees
Delaware Divisions of Revenue

Florida

State License Required? Insurance Requirements Contact
  • Yes
  • General liablity required
  • Workers’ compensation required if you have employees
Department of Business and Professional Regulation

Georgia

State License Required? Insurance Requirements Contact
  • Separate state licenses required for residential and commercial contractors
  • Workers’ comp required if you have employees
  • General liability required; amount varies by license
Georgia Secretary of State, Corporations Division

Hawai

State License Required? Insurance Requirements Contact
  • Yes, for projects exceeding $2,500
  • General liability
  • Surety bond may be required
  • Workers’ comp required if you have employees.
Department of Commerce and Consumer Affairs, Professional and Vocational Licensing Division

Idaho

State License Required? Insurance Requirements Contact
  • No
  • General liability insurance, $300,000 per occurrence limit minimum
  • Workers’ comp, if you have employees
Idaho Contractors Board

Illinois

State License Required? Insurance Requirements Contact
  • No state license required for general contractors
  • State license required for some speciality contractors
  • *Surety bond, general liability, and workers’ comp required for certain speciality contractor licenses
Illinois Department of Health

Indiana

State License Required? Insurance Requirements Contact
  • No state license required; check city regulations
    None
N/A

Iowa

State License Required? Insurance Requirements ontact
  • State license required for anyone providing plumbing, mechanical, HVAC, refrigeration, sheet metal or hydronic systems services
  • General liability insurance, minimum $500,000 coverage amount
  • Surety bond, minimum $5,000 coverage amount
  • Workers’ comp required if you have employees
Iowa Division of Labor

Kansas

State License Required? Insurance Requirements Contact
  • State license required for water well drillers and asbestos abatement contractors
  • Check city and county for license requirements
  • Workers’ comp required if you have employees
  • General liability often required for municipal licenses
Kansas Department of Health and Environment

Kentucky

State License Required? Insurance Requirements Contact
  • State license required for plumbers, electricians, and HVAC contractors
  • General contractor licenses granted by municipal governments
  • General liability required for some state licenses
  • Workers’ comp required if you have employees
  • Municipal licenses may require general liability
N/A

Luisiana

State License Required? Insurance Requirements Contact
  • Commercial license required for projects valued over $50,000
  • Specific license required for electricians, plumbers, and mechanical trades for projects valued over $10,000
  • Specific license required when handling asbestos, lead paint, hazardous material, or underground tanks
  • Home improvement registration required for residential projects valued between $7,500 – $75,000
  • Residential license required for residential projects valued over $75,000
  • General liability and workers’ comp required for residential and mold remediation licenses
State Licensing Board for Contractors

Maine

State License Required? Insurance Requirements Contact
  • No, but painters need to be certified by the state if they handle lead paint; otherwise licensing is handled at the local level.
  • Workers’ compensation, if you have employees
N/A

Maryland

State License Required? Insurance Requirements Contact
  • Yes, for home improvement projects
  • General liability with limits of at least $50,000
  • Workers’ comp required if you have employees
  • Surety bond may be required if you don’t meet financial solvency guidelines
Maryland Department of Labor, Home Improvement Commision

Massachusetts

State License Required? Insurance Requirements Contact
  • Construction supervisior license required for specific projects
  • Home improvement contractor license required for
None Office of Consumer Affairs & Business Regulation

Michigan

State License Required? Insurance Requirements Contact
  • Builders license required for for any sort of contracting work on residential or residential/commercial projects valued over $600
  • Maintenance & alteration contractor license required for specifc tradespeople working on projects valued over $600
None Department of Licensing and Regulatory Affairs

Minnesota

State License Required? Insurance Requirements Contact
  • State license required if you contract directly with a homeowner or provide service in more than one skill area
  • State license required for roofers
  • General liability
  • Workers’ comp required if you have employees
Minnesota Department of Labor and Industry

Misisipí

State License Required? Insurance Requirements Contact
  • Yes
  • General liability
  • Workers’ comp required if you have employees
Mississippi State Board of Contractors

Misuri

State License Required? Insurance Requirements Contact
  • No state license required; city or county governments may require licensure
  • Workers’ comp required if you have employees
Contact local government

State License Required? Insurance Requirements Contact
  • Contractor license required for contractors or subcontractors with employees
  • Independent contractor license for contractors who elect to exempt themselves from workers’ comp requirements
  • Workers’ comp required if you have employees
Department of Labor and Industry

State License Required? Insurance Requirements Contact
  • State license required for projects valued over $5,000
  • Additional licenses required for electricians and asbestos projects
  • Workers’ comp required if you have employees
Nebraska Department of Labor, Contractor Registration

State License Required? Insurance Requirements Contact
  • State license required for specialty and general contractors
  • Surety bond required; amount depends on license classification
  • Workers’ comp required if you have employees
Nevada State Contractors Board

State License Required? Insurance Requirements Contact
  • No state license required; city or county governments may require licensure
  • Workers’ comp required if you have employees
New Hampshire Secretary of State

State License Required? Insurance Requirements Contact
  • Yes
  • Minimum of $500,000 in general liability coverage
  • Workers’ comp required if you have employees
New Jersey Division of Consumer Affairs for registering. Painters that work with lead paint need a license from the same division or the Department of Environmental Protection Compliance & Enforcement or the Department of Law and Public Safety

State License Required? Insurance Requirements Contact
  • State license required for any construction-related contracted
  • Licenses available in 100 classifications
  • Workers’ comp required if you have employees
New Mexico Regulation and Licensing Department

State License Required? Insurance Requirements Contact
  • No state license required; city or county governments may require licensure
  • General liability
  • Workers’ compensation required if you have employees
State of North Dakota New Business Registration

State License Required? Insurance Requirements Contact
  • Yes
  • Surety bond only needed if used in lieu of meeting financial requirements
North Carolina Licensing Board for Contractors

State License Required? Insurance Requirements Contact
  • State licenses required for projects valued at $4,000 or more
  • Additional licenses may be required for specialty contractors and asbestos projects
  • General liability
  • Workers’ compensation required if you have employees
State of North Dakota New Business Registration

State License Required? Insurance Requirements Contact
  • State licenses required for electrical, HVAC,refrigeration, plumbing, and hydronics contractors who perform commercial work
  • Minimum of $500,000 in general liability coverage
  • Workers’ comp required if you have employees
Ohio Department of Commerce

State License Required? Insurance Requirements Contact
  • No state license required for general contractors
  • State license required for some speciality contractors
  • General liability required for some specialty contractor licenses
  • Workers’ comp required if you have employees
Oklahoma Department of Commerce

State License Required? Insurance Requirements Contact
  • State license required for construction and improvement projects
  • Licenses are residential, commercial, or dual
  • General liability
  • Workers’ compensation required if you have employees
  • Surety bond; amount varies by type of contractor
Oregon Construction Contractors Board

State License Required? Insurance Requirements Contact
  • No state license required; city or county governments may require licensure
  • Contractors working on home improvement projects must register with the state
  • Workers’ compensation, if you have employees
  • Registered home improvement contractors must carry a minimum of $50,000 in general liability coverage
Home Improvement Contractor Registration

State License Required? Insurance Requirements Contact
  • No state licenese required, but contractors must register with the state
  • Specialty contractors may need a license
  • Minimum of $500,000 in general liability coverage
  • Workers’ compensation, if you have employees
Contractor’s Registration and Licensing Board

State License Required? Insurance Requirements Contact
  • State license required
  • Surety bond can be used in lieu of financial statement
  • Workers’ comp required if you have employees
South Carolina Department of Labor, Licensing and Regulation

State License Required? Insurance Requirements Contact
  • No state license required; city or county governments may require licensure
  • Local governments may require general liability
  • Workers’ comp required if you have employees
South Dakota State Government

State License Required? Insurance Requirements Contact
  • State license required
  • Workers’ comp required if you have employees
  • General liability
Tennessee Department of Commerce and Insurance

State License Required? Insurance Requirements Contact
  • State license not required for builders, home improvement specialists, and handymen
  • State license required for some specialty contractors
  • Specialty contractors may need general liability insurance
Texas Department of Licensing and Regulation

State License Required? Insurance Requirements Contact
  • State license required for 23 types of contractors
  • Minimum general liability coverage of $100,000 per occurrence / $300,000 aggregate
  • Workers’ compensation required if you have employees
Division of Occupational and Professional Licensing

State License Required? Insurance Requirements Contact
  • No state license required for general contractors
  • State license required for some speciality contractors
  • Workers’ comp required if you have employees
Vermont Secretary of State, Business Services Division

State License Required? Insurance Requirements Contact
  • State license required; license class depends on the value of individual project
  • Workers’ comp required if you have employees
Department of Professional Occupational Regulation

State License Required? Insurance Requirements Contact
  • No state license required for general contractors, but they do need to register with the state
  • State license required for some speciality contractors
  • General liability and surety bond of $12,000 required to register with the state
  • Workers’ comp required if you have employees
  • Specialty contractors may have additional insurance requirements
Washington State Department of Labor & Industries

State License Required? Insurance Requirements Contact
  • State license require for general and some specialty contractors
  • Workers’ comp requiired if you hire employees
West Virginia Division of Labor

 

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