Why San Bernardino Masonry Businesses Need Small Business Insurance for Equipment and Liability
As a masonry contractor in San Bernardino, your expertise builds the foundation for homes and businesses alike, from beautiful stone walls to sturdy patios. However, job-site risks and equipment damage can quickly escalate into expensive claims. Small Business Insurance from San Bernardino Business Insurance, in partnership with Coterie, offers essential protection for your masonry business.
Risks that San Bernardino Masonry Contractors Face
Operating in areas like the Historic Route 66 or around the San Bernardino Mountains means unique challenges. During projects that involve heavy lifting near residential areas like D Street or 5th Street, the risk of client injuries or property damage escalates. Additionally, equipment failures such as a cracked concrete mixer or broken trowels can lead to costly downtime, especially during busy seasons like the summer. With Coterie's Business Owners Policy (BOP), your masonry operations are secure. This policy combines General Liability and Property Insurance, covering more than 80% of small businesses in your sector.
- Equipment Damage: A masonry saw breaks unexpectedly during a project, necessitating repairs and delaying the job.
- Client Injuries: A client trips over equipment at the job site, leading to a potential legal claim.
- Property Damage: Accidental damage to a neighbor's property while transporting materials can result in a lawsuit.
Exclusions to Keep in Mind: Coterie’s BOP doesn’t cover Workers’ Compensation claims or damages from significant natural disasters. Consider additional coverage options for non-owned vehicles if your business uses employee cars for work.
The Complications of Traditional Insurance
San Bernardino masonry businesses often find traditional insurance processes slow and frustrating. Prolonged wait times and convoluted terms can take precious time away from managing projects on busy streets like Baseline Avenue or Highland Avenue.
Coterie’s Small Business Insurance: Tailored Protection for Masonry Contractors
With San Bernardino Business Insurance, we provide instant online quotes through Coterie's digital platform. This means you can receive same-day coverage if eligible, streamlining the process and allowing you to focus on your work.
Why Choose Coterie for Your San Bernardino Masonry Business?
Since its inception in 2018, Coterie has simplified the insurance journey, offering A-rated coverage that includes:
- Fast online quotes that cater to the urgent needs of busy masonry contractors.
- 24/7 digital policy management to keep your insurance accessible anytime.
- Affordable coverage for masonry businesses with up to $10 million in revenue.
Don’t Let Unexpected Claims Crumble Your San Bernardino Business—Act Now!
One claim can put your masonry business at risk. Protect your livelihood with Small Business Insurance through San Bernardino Business Insurance and Coterie. Click for a fast online quote and safeguard your operations today!
Disclaimer: Business must be in California to apply.
