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Contractors Insurance
In Lincolnton, Belmont, NC, and the Surrounding Areas

Constructing the ideal insurance Coverage.

Contractor insurance developed to address your business.

Contractors are the backbone of the construction industry, bringing dreams to life and turning visions into reality. However, with great opportunities come great risks, and that is where contractor insurance comes into play. From general contractors overseeing large projects to HVAC technicians, plumbers, carpenters, electricians, painters, and more, contractor’s insurance is designed to meet your specific industry needs. Depending on your specific needs, our contractor’s insurance solutions for Lincolnton, Belmont, NC, and the surrounding areas include the following types of coverage:

  • General Liability Insurance
  • Professional Liability Insurance
  • Commercial Auto Insurance
  • Builders Risk Insurance
  • Workers’ Compensation Insurance
  • Property Insurance
  • Tools and Equipment Insurance
  • Cyber Liability Insurance
  • Umbrella Insurance
  • And More

At Watson Insurance Agency we are passionate about providing contractors with the protection they deserve with contractor insurance in Lincolnton, Belmont, NC, and the surrounding areas. As an independent agency, we work for you, not the insurance company, ensuring that your best interests are always our priority. Contact us today for a quote on personalized contractors insurance in Lincolnton, Belmont, NC, or the surrounding areas!

Builders Risk Insurance

Group of Contractors in Belmont, NC with Builders Risk InsuranceBuilder’s risk insurance is a critical component of any construction project, protecting against risks that can arise during building. This specialized form of contractors insurance coverage is designed to safeguard your investment in the project, including materials, supplies, and the structure itself, against damage or loss due to fire, theft, vandalism, or other covered perils.

Our builder’s risk insurance policies are tailored to your specific project needs, whether it’s a new construction, renovation, or remodeling. We work closely with you to assess the potential risks and provide comprehensive builder’s risk insurance in Lincolnton, Belmont, NC, and the surrounding areas that mitigate financial losses and keep your project on track.

Tools and Equipment Insurance

Tools and Equipment Insurance for a Contractor in Lincolnton, NCAs a contractor or tradesperson, your tools and equipment are essential to your livelihood. Protecting these valuable assets is crucial to ensuring the continuity of your business operations. Tools and equipment insurance provides coverage for your tools, machinery, and equipment against: 

  • Damages
  • Theft
  • Loss

At Watson Insurance Agency we understand the importance of keeping your tools and equipment safe and secure, that’s why our tools and equipment insurance policies are designed to provide comprehensive coverage that meets the unique needs of contractors and tradespeople. Whether you work in construction, plumbing, electrical, or any other trade, we have the right coverage options to protect your tools and equipment. Contact us today for a personalized quote on tools and equipment insurance for Lincolnton, Belmont, NC, or the surrounding areas.

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Commercial General Liability Coverage
Risk Factor

As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.


Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Commercial Property Coverage
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.


Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Contractors' Equipment Coverage
Risk Factor

You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.


As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.

Builders Risk and Installation Insurance
Risk Factor

A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.


Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.

Workers’ Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Auto Insurance
Risk Factor

As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.


Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Hold Harmless / Additional Insureds
Risk Factor

If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.


Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.

Commercial Umbrella / Excess Insurance
Risk Factor

Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Contractor Insurance - Contractor in Lincolnton, NC Discussing Housing Plans

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