Contractors need insurance to protect themselves and their customers. We work with contractors, as well as project owners. Mossbrook & Hicks Insurance Agency, Inc. can assist in providing you with help to keep your risks and loss costs under control. Our product offerings are broad, ranging from general liability and workers comp to environmental liability and business auto. Mossbrook & Hicks helps cover contractors at every corner.

COMPETITIVE, CUSTOMIZED, CONVENIENT!
Provided by your independent agent and
Mossbrook & Hicks Insurance Agency, Inc.

Coverage Designed for Contractors
Contractors Coverall Plus provides comprehensive, flexible and highly affordable insurance protection for your clients. And it can be conveniently customized to their precise needs.

As a regional carrier, we are where you are!

Competitive

Competetive pricing will make Merchants’ your carrier of choice.

Customized

Easily build a package of protection for your clients — “mixing and matching” components to best suit their individual needs.

Convenient

Coverage based on number of employees, not on payroll or receipts. This reduces year-end audit surprises.

Liability Protection

  • Quick quoting based on number of employees.
  • Coverage up to 1,000,000 / $2,000,000. Higher limits available on a commercial umbrella.
  • Aggregate limits available on a per project basis.

GENERAL LIABILITY Complete COVERAGE INCLUDES:

  • Blanket additional insured
  • Increased medical payments
  • Increased fire legal liability limit

Enhancement Options

PROPERTY:

  • All risk coverage for office and storage facilities.

CONTRACTORSComplete COVERAGE ENHANCEMENT:

  • Contractors’ tools & equipment — $2,500
  • Installation Floater — $5,000/job site $1,000/in transit
  • Property of others — $5,000
  • Other coverage options available
  • Cost: $100/policy

OTHER INLAND MARINE COVERAGE AVAILABLE:

  • Tools and equipment
  • Installation Floater
  • E.D.P.
  • Communications coverage — just $10 provides $1,000 of coverage for cell phones, pagers, etc. Higher limits available.

COMMERCIAL AUTO DISCOUNTS:

  • Contractors’ vehicles may be eligible for a discount

Eligibility:

Coverage for experienced contractors

performing the following types of residential or light commercial work:

* - not available in NY

Air Conditioning/Heating Systems Work

Building and Premises Operations

* Carpet/Floor Installation

* Ceiling/Wall Panel Installation

Cement/Concrete Finishing and Surfacing

Concrete Construction

Door & Window Erection

Driveway, Sidewalk or Parking Area Paving or Repaving

* Drywall Installation

Electrical Household Appliance Installation/Repair

Electrical Wiring

* Fence Installation

Gas Household Appliance Installation/Repair

Glaziers

* Household Furnishings Installation/Repair

Interior Decoration

* Landscape Gardening

Lawn Sprinkler Installation

Masonry Work

Office Furniture and Fixture Installation/Repair

Office Machine Installation/Repair

Painting and Paperhanging

Plaster/Stucco

Plumbing

Tile, Stone, Terrazzo Work Color

NOTE: Coverages or discounts may not apply in all states. Some exclusions and limitations may apply.