The 5 Most Common Insurance Claims from Contractors

No matter how careful you are, things happen. Here are the top claims contractors face — and how to stay ahead of them.

The Top 5 Claims

  • Property Damage – Tools falling, broken windows, or damaged floors.

  • Injuries to Clients or Bystanders – Someone trips over your equipment.

  • Tool Theft – Especially common in urban areas.

  • Injured Workers – Accidents on the job site.

  • Contract Disputes – Claims over incomplete or unsatisfactory work.

How to Avoid These Risks

  • Keep job sites clean and safe

  • Secure tools when not in use

  • Communicate clearly with clients

  • Have solid contracts in place

  • And of course… get the right insurance

 Being insured doesn’t prevent accidents — but it makes dealing with them a whole lot easier.

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