Don’t go another day without contractors insurance.
Contractors insurance protects your business as a self-employed independent contractor. With contractors insurance you can work confidently, knowing that if something should go wrong, you are covered.
In addition, contractors insurance demonstrates your professionalism to your potential customers.
Here’s what you need to know …
Perils include but are not limited to…
- Theft of Business Property
- Fire and Smoke Damage
- Bodily Injury to Third Party
- Personal Injury such as Defamation
- Property Damage to Third Party
- Professional Liability — Errors and Omissions
Coverages are available for …
- General Liability
- Workers’ Compensation
- Professional Liability
- Health Insurance for Employees
- Commercial Property
- Business Auto
Services & Training…
- Injury Prevention
- Illness Prevention
- Heat Illness Prevention
- Safety Meetings (2 documented)
- California Labor Law Postings
- General Safety Compliance & Hazard Review
- Lock-Out / Tag-Out Program
- Five Extra-Large, 50-Person, Bulk ANSI/OSHA Compliant First Aid Kits
- Fall-Protection Program
- Hazardous Communication Program
- Cal/OSHA Summary Requirement Handbook
Extra savings for…
- Low-Risk Occupations
- Group Eligibility
- Injury Prevention Training
- Illness Prevention Training
- Heat Illness Prevention Training
- Documented Safety Meetings
- Hazard Avoidance Training
- History of Low Claims Submissions
Understanding Your Contractors Insurance Needs
Your contractors insurance specialist will consult with you in person, or over the phone. We have licensed specialists experienced with every type of contracting business — whether residential, commercial, or industrial. Rates are not set by the state, so premiums vary from carrier to carrier. Your specialist will explain everything clearly so you understand the recommendations.
Coverage and Claims Review
If you already have contractor’s insurance, we can review your current coverage plus any claims you had to evaluate why the claim occurred. Then we can recommend changes to operations or changes in coverage to reduce future risks.
High-Value Contractors Insurance Coverage. Lower Prices.
When it comes to contractors insurance, personal relationships with underwriting insurance carriers are critical. We have carefully nurtured those relationships since 1988. That’s why we are able to find first-rate insurance at the lowest prices for our contractor clients.
Workers’ Compensation Risk Management
Your contractors insurance specialist will work with you to ensure you have all the training and documentation you need to best manage your employees’ risk of injury or illness. Remember, your premiums will be lower if you have fewer claims.
Inevitably, an employee will become injured or sick and you will need to provide him or her with a claim form. This must be given to your employee within one working day of notification of the disability! It doesn’t matter how busy you are; you must, by law, immediately provide the claim form. Your contractors insurance welcome packet will provide claim forms. In addition, our carriers have 24/7 claims assistance. Plus Carl Nelson Insurance has a dedicated in-house claims department to answer your questions and to help you resolve any issues with the least amount of worry. It also saves you and your staff precious time!
Personal Assistance When You Need It
If you have any questions, your contractors insurance specialist will know you and be responsive to you personally. The rest of the CNI staff will back up your specialist, always ready to serve you when you need it.
Locally Owned and Operated
Carl Nelson Insurance has offices in Hanford and Visalia, California. We set our own policies on how to best serve you. We don’t have to answer to “corporate” as do the name brand insurance agencies. Plus it’s easy for you to drop by and talk to us one-on-one.
25+ Employees. Well-Trained!
We are large enough that someone is always available to help you. Yet, we’re small enough to give you personal service.
Phones Are Answered by a Human Being
During office hours, our phone is answered by someone eager to serve you — not a call center.
Our longevity and history demonstrate our strength and stability. We’ll tell you simply, plainly, and honestly what we recommend for your contractors insurance needs.
Although we primarily serve the insurance needs of contractors in Hanford, Visalia, Tulare, Fresno, Lemoore, Bakersfield, Kingsburg, and Selma, we can insure you no matter where you are in California. We can bind and issue coverage via fax, email, or even with electronic signatures.
A+ Better Business Bureau Rating
We are pleased to have achieved an A+ Rating with the Better Business Bureau. The BBB standards for businesses that are high and embody the principles of trust, integrity, and honesty.
Listed: Top 5 Local Independent Insurance Agencies
At Carl Nelson Insurance we’ve never had to change our business principles because we’ve been doing it right since the beginning. That’s why we’ve grown and grown. According to the Fresno Business Journal, we are the 5th largest independent insurance agency in the Central Valley. We have to be doing something right.
Carl Nelson Insurance knows customers come first in every business transaction. That is why so many of our clients and their families have been with us for over 45 years — we earn and keep their loyalty by doing excellent work for them every single day.