Contractors Insurance – Serving Illinois

Contractors have a complex business and even more complex exposures to loss. Making the correct decisions about your commercial insurance can make a big difference for your business.

For Contractors, effectively managing your insurance risks can help increase profits and lower costs when done correctly. Bad advice can be detrimental to your business on both the front and back end.

Commercial Contractors policies combine Liability, Property, Commercial Auto and Workers Compensation to ensure you are properly covered in the event of a claim. This is generally less expensive than purchasing “ala-carte” types of policies. With contractors insurance from Mikkelsen, Kelly, & Kipp Insurance, you have the ability to cater a policy to your specific needs as a business owner.

What You Need to Know About Contractors Insurance

Professional Liability

Do you create your own designs? Is it possible that there is a flaw with the design and not the product or workmanship itself? Mikkelsen, Kelly, & Kipp Insurance can help insure you against the liability that comes with designing your own products as well as the work itself.

Workers Compensation Rating

One of the highest insurance costs that you face is your Workers Compensation Insurance. Our ability to negotiate your rate is contingent on your loss experience and the safety controls you already have in place. This is reflected in your NCCI Workers Comp MOD. A MOD is a federally mandated credit or debit based on losses you have had. Combined with other available credits, discounts of up to 50% are available to many of our clients that have already taken the proper safety precautions. Many of our carriers also have safety programs and OSHA compliance programs to help lower claim frequency and ultimately lower the cost you pay each year.

Certificate Requirements

As you know, contractor’s insurance requirements can be very complex. Luckily, our team at MKK Insurance has over 100 years of experience explaining and acquiring expanded coverages such as additional insured endorsements, primary and non-contributory language, and waivers of subrogation. Obtaining your certificate of insurance quickly and correctly can mean the difference between being allowed on a job site and being sent home early.

Why We Are Different

Our team at MKK Insurance will guide you through the process from current policy review, to billing, to loss prevention to the final annual audit. We do this by offering face to face personal service. The more we know about you, the more we can help.

We at Mikkelsen, Kelly, & Kipp also provide access to our network of preferred vendors. We can help connect you with payroll services, health insurance professionals, OSHA compliance, or comprehensive perpetuation planning services.

To learn more about us and our process, contact Mikkelsen, Kelly, & Kipp Insurance Agency for more information. Give us a call at 708-389-6330.