Contractors Insurance

From property damage that covers tools to contractor liability insurance, ERIE offers a special mix of policies, endorsements and services which gives your business the protection it really needs.

Your Risks, Our Solutions

Business Insurance from ERIE Has You Covered

Your Liability

Contractor Liability Coverage

For third-party claims alleging bodily injury and/or property damage caused by your business’s operations or completed work.

Pollution Liability Coverage

If you become legally liable for injury or property damage caused by a pollution incident. (Available for purchase as an additional coverage.)

Errors and Omissions Coverage

Commonly referred to as professional liability, this coverage offers protection if the work you perform was done incorrectly or negligently. (Available for purchase as an additional coverage.)

Your Property and Income

Coverage for Property Losses

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

Contractors Tools and Equipment Coverage

For tools stolen from your building, at a job site or somewhere else. (Available for purchase as an additional coverage.)

Builders Risk and Installation Coverage

For the materials, supplies and fixtures in storage, transit, or being installed as part of a new construction or renovation job. (Available for purchase as an additional coverage.)

Your Employees

Workers’ Compensation Coverage

Protects you in the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy, not available in Ohio.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Employment Practices Liability Coverage

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

EVEN MORE COVERAGE

Here are some of the extra ways that ERIE contractors insurance goes above and beyond.

Hired & Nonowned Auto Liability

Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.¹

Sewer or Drain Backup

With your Erie Secure Business policy, covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.²

Ordinance or Law

Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

DATA BREACH RESPONSE EXPENSES

To notify and assist affected individuals and provide various case management services.¹

Employee Theft

Protects you against employee theft, which is a situation that can be hard to detect.

Earthquake

Covers a loss caused by an earthquake.²

¹

Available for purchase as an additional coverage on select policies.
²

Available for purchase as an additional coverage.

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time and every time in between.

Early Return-To-Work Program

We help your injured employees receiving workers’ compensation benefits resume meaningful employment as soon as they are medically able.

CLAIMS SERVICE YOU CAN COUNT ON

With ERIE, you have claims service that’s local and quick to respond.

If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. ERIE has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.