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Farmers Union Insurance
CONTRACTORS' COVERAGE
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Farmers Union
Mutual Insurance understands the needs of contractors. Our contractor
policy meets the needs of small and medium-sized contractors.
One policy can provide coverage on business property, contractors'
tools and equipment, liability and vehicle coverage.
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Property
Coverage*
- $1,000
coverage on business property
- $5,000
coverage on accounts receivable
- $5,000
coverage on valuable papers
- $2,500
coverage on personal computers
- Higher
limits are available
- Optional:
Contractors' equipment coverage of scheduled tools and equipment
over $200 in value
- Optional:
Miscellaneous tools up to $10,000 coverage for small tools. (Tools
over $500 in value need to be scheduled with contractors' equipment.)
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Liability
Coverage
The contractor
policy offers protection for all premises and operations you own,
lease or operate. The basic policy offers coverage of $100,000.
(Higher limits are available.)
Coverage
includes:
- Bodily injury
or property damage that arises from your business operations
- Medical expense
for accidental bodily injury
- Up to $50,000
fire legal liability or rental business premises
- Exposure
to liability assumed under incidental contracts (such as real
estate leases)
- Business
activities of your partners and employees while acting on your
behalf
- False arrest,
slander or wrongful entry or eviction
Optional
Auto Coverage
Vehicle coverage
is available for bodily injury and property damage arising from
the business use of a private passenger auto, or light or medium
service vehicle.
Vehicle coverage also available for rental/leased and non-owned
vehicles.
* Subject to policy limits and exclusions.
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