Assess Your Specific Services
• If you offer handyman tasks, basic general liability may suffice.
• For higher-risk trades (e.g., electrical, HVAC, roofing), check endorsements.
• If you frequently deliver large-scale projects, consider higher per-occurrence and aggregate limits.
Where to Start
• Next Insurance is commonly used by many contractors on UrbanMount, but you can pick any carrier that meets our requirements.
• Local agent networks or online brokerage sites (e.g., Simply Business) can compare multiple quotes for you.
Questions to Ask Potential Insurers
• What’s the deductible?
• Are there any geographical restrictions?
• Do they offer coverage for any special items or materials you regularly handle?
Important: Your insurance is the primary avenue for coverage of property damage, bodily injury, or other liabilities. UrbanMount’s SafeStay Assurance is a secondary or “last-resort” coverage limited to specific property damage circumstances.