Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
Wes Tatum
Highly recommend this company. Fred Zehrer was my agent and he provided top notch service. The process was simple and Fred saved me over $600 a year on my business vehicle insurance. I can't say enough good things about Fred and Harrison Insurance. If you want peace of mind and fair prices, this is where you need to be.
Wes Tatum

Understanding Contractors Insurance: Essential Protection for Your Business

Contractors looking at drawings

Understanding Contractors Insurance: Essential Protection for Your Business

Whether you’re installing a new HVAC system, fixing a plumbing issue, or embarking on a full home remodeling project, every contractor knows the risks involved in the trade. That’s where contractors insurance comes into play. This blog post is designed to shed light on what contractors insurance is and why it’s crucial for professionals in HVAC, plumbing, electrical work, remodeling, and other related fields.

Section 1: What is Contractors Insurance?

This type of policy is specifically designed to protect businesses within the contracting industry from unique risks associated with their work. Unlike standard business insurance, it offers more specific coverage options tailored to the risks in construction and repair work. From injuries on the job site to property damage or legal liabilities, contractors’ insurance is an essential tool in managing the unforeseen challenges of the trade.

Section 2: Industry-Specific Coverage Details

Each industry has its own set of risks, and contractors insurance can be tailored to address them:

  • HVAC: Policies may cover equipment damage, accidents during installation, and liability for any property damage.
  • Plumbers: Insurance can protect against water damage caused during work, cover expensive tools, and provide liability coverage.
  • Electricians: Coverage is crucial for electrical work liabilities and can include equipment insurance.
  • Remodeling: This involves risks of on-site injuries or property damage; insurance policies can cover these scenarios.
  • Siding and Decks: Outdoor work carries specific risks, and policies can be tailored to cover these.
  • Additions and Fences: Extended construction activities have their unique needs, and insurance can cater to these.
  • Drywall and Painting: Indoor work risks can be covered, including damage to property during the job.
  • Masonry: Given the heavy-duty nature of masonry work, policies can cover related risks more extensively.

Section 3: Why Do You Need Contractors Insurance?

Contractors insurance isn’t just a safety net; it’s a business necessity. It protects against lawsuits, property damage, and accidents. Imagine an electrical fault causing a fire or a plumbing job leading to water damage. Without insurance, the financial implications could be devastating. With the right coverage, however, you can focus on your work, knowing you’re protected against such scenarios.

Section 4: Choosing the Right Policy

Selecting the right contractors insurance policy involves understanding your business’s specific needs. Factors like the nature of your projects, the number of employees, and the type of equipment used all play a role in determining the right coverage. Working with a knowledgeable insurance agent can help you navigate these choices and find the best fit for your business.

In the diverse world of contracting, from HVAC and plumbing to remodeling and masonry, contractors insurance is an indispensable tool. It not only safeguards your business but also provides peace of mind as you serve your clients.

Ready to secure your business with the right contractors insurance? Contact us today for personalized advice and solutions that match your specific industry needs. Protect your business, protect your future.