Commercial Insurance
Proper insurance coverage is the backbone of a contractor's risk management platform. J.D. Kutter provides its clients with the insurance coverage necessary to protect their human and capital assets. We represent and have superior buying power with best-in-class carriers that understand construction and the coverages that contractors require.
Commercial insurance is complicated and is a large liability on a contractor's balance sheet. However, the need for proper insurance coverage for a construction risk has never been greater. We walk you through each phase of the insurance process to craft an insurance program that fits your unique needs. We analyze your level of risk tolerance, your exposure to risk, the coverages you want and need, risk financing options, and more to create the best solution for you.
Our goal is simple: Create an insurance program for you that provides the best combination of coverage, service, and price.
Commercial Insurance Products
A Contractor's Property and Casualty Insurance is generally comprised of three types of coverage: Property, Liability and Workers' Compensation. Depending on your needs you may require additional specialized coverages. We provide (but are not limited to) the following coverages for our clients:
Workers' Compensation
Umbrella/Excess Liability
Railroad Protective Liability
Builder's Risk/Installation Floater
Directors and Officers
Contractor's Professional Liability
General Liability
Owners & Contractors Protective Liability
Property
Employment Practices Liability
Equipment Breakdown
Electronic Data Processing
Auto Liability & Physical Damage
Contractor's Equipment
Environmental/Pollution Liability
Fiduciary Liability
Riggers Liability