Seguro de contratistas: cobertura, costos y proveedores

El seguro de contratistas se refiere a un grupo de pólizas que cubren los riesgos que suelen enfrentar los contratistas. Por ejemplo, la mayoría de los contratistas necesitan responsabilidad general para cubrir reclamos que causaron lesiones o daños a la propiedad de otras personas. Los contratistas generalmente pueden combinar esta cobertura con un seguro de propiedad en la póliza de propietario de una empresa (BOP) por alrededor de $ 1,300 a $ 6,000 por año.

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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 daña por un evento cubierto. Para los contratistas, las aseguradoras pueden incluir otras pólizas esenciales como automóviles comerciales y compensación 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

¿Se requiere licencia estatal?	Requisitos de seguro	Contacto
Licencia de contratista general requerida para proyectos comerciales por valor de $ 50,000 o más Se requiere licencia de contratista general para proyectos de piscinas por valor de $ 5,000 o más 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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