Friday, June 3, 2016

Construction Insurance

At Insure the Lake, we believe that providing the right insurance starts with an in-depth understanding of its customers' businesses. Our specialized construction team provides highly skilled underwriting, customized products and tailored programs and services to help reduce contractors' cost of risk and improve their bottom lines. Let's take a look at the type of Missouri insurance coverage we can provide to contractors:

Missouri Construction Insurance

Running a contracting business is a ton of work, from making sure your employees show up on time to protecting your materials from copper thieves. When you purchase contractors insurance from our Lake of the Ozarks insurance company, you will get the peace of mind you need to focus on your business. We have access to multiple types of contractor's insurance programs that are designed around the needs of your specific business. We can custom tailor policy's with the following coverages:
  • General Liability 
  • Auto 
  • Workers Compensation
  • Umbrella 
  • Owners and Contractors Protective Liability
  • Railroad Protective Liability 
  • Property and Inland 
Your business and personal property doesn't stay in one place and neither does your coverage. We can help you obtain the correct coverage for your business property while in transit, at trade shows or temporarily at locations you don't own or lease.  

Property Loss Coverage 

Property loss in the construction industry can slow down or even stop your operation until repairs are made, and that could mean lost income. We provide several business income coverage's that can reimburse your loss of income and necessary extra expenses you incur to keep your business operating.
  • Building Laws Safeguard Coverage - provides coverage for the necessary demolition of the undamaged portion of your building and subsequent upgrades to meet current building codes. 
  • Inflation Guard Coverage - builds in a safeguard against inflationary increases in the value of your buildings and business personal property. The limit of insurance on your policy automatically increases at the annual percentage rate you choose. 
  • Equipment Breakdown Coverage - extends your property policy to cover loss to real and business personal property from the sudden accidental breakdown of machinery and equipment in or on your building. 
  • Utility Services - provides insurance against a covered loss to a power, communication or water utility, interrupting service to your premises and causing a covered loss to your building, business personal property or loss of income. 

Contractor Coverage

We cater to the entire construction industry:
  • Bridge Contractors
  • Concrete Contractors 
  • Electrical Contractors
  • Fire Sprinkler Contractors 
  • General Contractors
  • Highway, Street, and Road Contractors
  • Mechanical Contractors
  • Millwright Contractors
  • Plumbing Contractors
  • Underground Utility Contractors
  • ...and many more! 

Our solutions are tailored per account size, contractor type, risk exposure, geographic area and line of business. We take pride in providing responsive and creative solutions to a wide range of contractors - smaller, as well as mid-sized and large accounts.  For all your Lake of the Ozarks construction insurance needs, give us a call at 800-392-0423. To learn more about our construction insurance products and services, please visit:

Request a Free Quote Online! Contact Insure the Lake today for all your Lake of the Ozarks insurance needs! 

About the Author: Steve is a double back-flip insurance ninja. He was named Young Insurance Agent of the Year by the Missouri Association of Insurance Agents in 2010 and is a Certified Insurance Counselor. When he is not helping customers, he enjoys community service, Latin dancing with his beautiful wife and going on adventures with his two awesome sons.

Steve Naught, CIC
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral