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All You Ever Wanted to Know About Insurance

Insurance for Construction - The Protection You Need

The construction industry is a minefield of risk. Each year, slips and falls, vehicular accidents, hazardous chemicals, and combustible materials claim lives. In fact, more than a few common jobs throughout the construction industry rank among the most dangerous occupations in America today. But where there’s risk, there’s someone willing to provide you with the protection you need to work in confidence. Pepper, Johnstone & Company has your back.

Without proper protection, your employees, their livelihoods, their families, and your business could face dire consequences that nobody wants or needs. In the interest of all involved, you need a comprehensive insurance program to cover the risks you face just by turning up to the jobsite each day.

But what kind of insurance is right for you? These are the most necessary policies for some of the hardest working Americans.

General Liability Insurance for Construction

Without a doubt, general liability insurance coverage is an absolute must for the construction industry. By addressing the most common risks you and your employees face, general liability coverage lays a powerful foundation for the future success of your business.

General liability policies can protect against: 

  • Bodily Injury

  • Medical Bills

  • Damage to Property

  • More

Without general liability insurance coverage, just one accidentally perforated power line or “slip-and-fall” accident could cost you more than the job is worth. When heavy machinery, hectic worksites, and fast-moving vehicles are involved, general liability is a must-have.

Workers Compensation Insurance for Construction

When the worst happens and an employee is injured on the job, your first concern is for their wellbeing. Workers compensation insurance can cover medical care and rehabilitation after the fact, as well as wages lost while they recover. 

Once your employee is covered, your second thought must naturally turn to the health and wellbeing of your business. Litigious employees can damage your reputation and bottom line or even sink your business altogether. Thankfully, workers comp has you covered yet again. 

The right policy can protect you (in most cases) against lawsuits filed by injured employees.

Workers compensation protects you and your team by providing coverage for :

  • Medical Bills

  • Rehabilitation Costs

  • Lost Wages

  • Protection from litigation (in most cases)

Sometimes, in the riskiest of industries, it’s not a matter of if an employee is hurt on the job, but when

Commercial Auto Insurance for Construction

On a typical jobsite, you’ll find heavy machinery crossing footpaths, building materials hoisted through the air, and sparks flying. But as hectic as the jobsite can be, getting to and from that jobsite can be just as dangerous. For those reasons, many states require construction firms specifically to purchase a minimum amount of commercial auto insurance protection. 

Commercial auto insurance covers numerous types of vehicles and drivers, as well as some forms of motorized equipment. The right commercial auto policy makes provisions for bodily injury liability and property damage during the operation of company vehicles. Better still, commercial auto insurance covers medical payments and provides Personal Injury Protection (PIP) for drivers and passengers.

Commercial auto insurance offers numerous benefits and protections, including:

  • Bodily Injury Coverage

  • Medical Bills

  • Legal Expenses

  • Property Damage

  • Vehicle Repair/Replacement

  • More 

Insurance for All Construction Professionals

Risk isn’t limited to the type of work you or your employees do. As you certainly know firsthand, risk is present no matter what you’re doing on a jobsite. A combination of general liability insurance, workers compensation insurance, and commercial auto insurance can cover a wide range of construction professionals, including:

  • Concrete Workers

  • Roofers

  • Land Clearing/Landscapers

  • Welders

  • Electricians

  • Plumbers

  • Fence & Deck Builders

  • Window Installers

  • Too many others to list

Regardless of what kind of work you do within the construction industry, you need adequate protection. Pepper, Johnstone & Company can find the policy or policies that work best for you.

Pepper, Johnstone & Co. For Construction

From Athens, AL, to Huntsville, AL, Pepper, Johnstone & Co. has your construction business, employees, and vehicles covered. Don’t wait for risk to find you. Get out in front of danger by finding the best coverage for the best price today. 

In addition to the above listed policies, construction companies should also highly consider commercial liability insurance, tool/equipment insurance, and all appropriate forms of specialty insurance, including builder’s risk policies. The more protection you have, the easier it’ll be to address accidents and get back to work.

Pepper, Johnstone & Company Protects Construction Workers!

Few industries can claim to be as dangerous and as important as the construction industry can. You and your employees are responsible for building our nation from below the ground up. That’s why you need a policy that covers you from below the ground up. To learn more about how commercial auto, workers comp, or general liability insurance can protect you, call Pepper, Johnstone & Company today at 938-200-8972 or request a quote online! We’re here to help America’s hardest working industry!