Panama City Contractor Insurance

The Panama City and Panama City Beach area is growing rapidly! With the expansion and new construction, as well as updating the existing buildings, it is important that local contractors have a local agent to meet the needs of the demanding industry. Barbee Jackson Insurance has the experience and local knowledge to make sure that you have the necessary coverage to get you on the job faster.

One of the most important investments a construction business can make is in their insurance. Having a policy that will meet the vast requirements that are becoming an industry standard means you be able to bid the jobs. In addition to a good insurance policy, you must have a good insurance agent. Someone that will work for you to get the best rate coupled with superior service. Barbee Jackson Insurance knows the importance of fast, accurate certificates and quick response. Things can happen quickly in the construction industry and we can move quickly for you!

Barbee Jackson Insurance knows Contractors

Coverage Options

• General Liability
  Protection against a liability claim for Bodily Injury and Property Damage
  
• Workers Compensation
  Wage replacement and medical benefits to an employee injured on the job
  
• Commercial Auto
  Liability and/or physical damage for vehicles owned and operated by the business
  
• Contractor Bonds
  Four basic types of Surety Bonds that maybe required in order to perform a specific job, Bid Bond, Performance Bond, Payment Bond, and Ancillary Bond. Each bond acts differently and ensure the contract completion in the event the contractor defaults.
  
• Builder’s Risk
  Policy that is designed to be used during the construction phase of a residence or commercial building
  
• Contractors Equipment
  Scheduled and Unscheduled coverage for tools used in the course of business and protects against loss such as, fire, theft, storm, etc.
  
• Commercial Property
  Protection for the owner of a commercial building, similar to home insurance
  
• Pollution Liability
  Protects against a claim being made from a pollutant that causes Bodily Injury and Property Damage. Most policies will also cover cleanup costs.
  Coverage for Panama City, Panama City Beach, Santa Rosa Beach, Lynn Haven, Marianna, Chipley, Bonifay, and More!

Panama City Contractors Insurance – Preferred Class Codes

• General Contractor
• Swimming Pool Installation and Service
• Remodeling Contractors
• Roofing Contractors
• HVAC
• Electrical Contractors
• Plumbing Contractors
• Framing Contractors
• Concrete & Masonry Contractors
• Landscaping Contractors
• Painting Contractors
• Debris Removal
• General Carpentry Contractors

Want more information on our Contractors Insurance Program? Call 850-389-2001.

Certificate of Insurance

As a contractor, the most important need is timely certificates. Without these you may not be able to get paid for a job. At Barbee Jackson Insurance Panama City Beach Contractors wait no longer than 10 minutes. The process is very easy and should be very fast. We work with the leading insurance management system to ensure our COI’s are fast and accurate. This is our guarantee, certificate of insurance within 10 minutes of the request or lunch is on us!*

Panama City Beach Contractors Frequently Asked Questions

I only have one employee do I need Workers’ Compensation Insurance?

Yes, in the construction industry one or more employee will require that you carry workers’ compensation insurance. Additionally, owners are considered employees in the construction industry. Failure to apply for a workers’ compensation exemption as an owner could result in non-compliance with the state, a stop work order, and fines.

What is a bid bond?

Securing a bid bond provides protection in the event your bid is accepted and you are unable to complete the job and accept as projected. It will pay the difference between your bid and the next highest bidder. For more information on contractor bonds, see our information page.

If I hire subcontractors does that affect my insurance?

It can have a large impact on your business. The first step is to make sure that your policy will cover subcontractors. From there you will need to verify the subcontractor has liability insurance equal to you. This can be done by requiring a certificate of insurance, preferably being listed as an additional insured. If they do not have coverage, then they are considered an uninsured subcontractor. As your sub, you are responsible for any damages caused by them, therefore you will need to include them on your policy. This will result in an additional cost to you, and can be rather high depending on the amount of their compensation. We always recommending consulting with your agent to make sure you are covered and to help minimize your cost.

Call One of our Specialists Today and Experience the Difference!

As a business owner it is important to surround yourself with experienced individuals to make sure you are operating best. Barbee Jackson Insurance has the experience to explain coverages, discuss and understand your operations, and protect the business from potential loss. Let our knowledgeable agent, who specializes in contractor insurance, help you today!

*excludes weekends, holidays, and after-work-hours request. Gift certificates only valued at $20. Limited to single certificate request. We will make every effort to get you certificates out on weekends and after hours, but we cannot guarantee 10 minutes or less.

Don’t forget to check out our YouTube Channel for our Insurance Explained videos!

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