Give us a call
864.882.3781

Contractors Insurance in Seneca and Clemson, SC

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractors Insurance Package Covers

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

  • A Business Owner's Policy
  • General Liability Insurance
  • Worker's Compensation
  • Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Chudyk Financial Services and Insurance Group can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Chudyk Financial Services and Insurance Group's goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you're one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

 

1. "About the Specialty Trade Contractors Subsector." U.S. Bureau of Labor Statistics. Accessed April 20, 2016. http://www.bls.gov/iag/tgs/iag238.htm.

2. "Sole Proprietorships vs. LLCs." Nolo.com. Accessed April 28, 2016. http://www.nolo.com/legal-encyclopedia/sole-proprietorships-vs-llcs.html.

3. Utschig, LeRoy. "Contractor's Equipment." Rough Notes. Accessed April 20, 2016. http://www.roughnotes.com/rnmagazine/1997/sept97/09p98.htm.

Our Location

Chudyk Financial Services and Insurance

916 East North First Street
Seneca, SC 29678
Main office: 864-882-3781
Fax: 864-882-1045

Our Providers

Testimonials

I have been with Nationwide since I was in my 20's and I have been well pleased with every aspect. I look forward to many more years to come.

kdrhodes
Very pleased with my service. Great customer service, easy to work with, overall a great experience!

MVance
We needed to get rental insurance while we built our new home. Chuck was quick, knowledgeable, and very helpful with our needs.

Juliekdrn
David and his staff have been great in assisting in every way! Always available and very knowledgeable about any situation.

GalinaH
All insurance companies pretty much have the same products to offer. What sets this agency apart is the unsurpassed customer service. The ENTIRE staff including David himself make you feel like you are their ONLY customer. I chose this agency not because their prices were lower but because of the service I received. I have been with this agency going on 2 years and the level of service has never changed. This tells me they not only wanted my business they want to keep my business. If you are looking for auto/home/life insurance or financial services, do yourself a favor and give this agency a shot, you won't be sorry!

SCGirl
These guys know that sometimes you meet with rough edges in life and they never falter to assist with giving me the proper information on any changes or new savings I might get. Would not switch to another store if you PAID me too!! Always friendly, Always provides a solution to any problem!

ZoesMama
I have been with Nationwide since 1998. With David Chudyk for many years since my original agent retired. I have been extremely happy with this agent and his staff. They are very nice, professional and always help me any way they can. Customer for life.

Sheryl2112
David researched an insurance question for me and provided a thorough answer. When I responded with an additional question, David politely instructed me where to find that information in the material he had already provided. Quite kind and patient and clearly knew what I needed. In addition, he was able to respond at a time that was definitely beyond the bounds of the normal business day. Thanks . . .

henryj
5/5 great service. nice to get someone on the phone when you need to.

Daniel321
eveybody is so nice and welcoming at the david chudyk agency , i would recommend him to anyone and everyone !! the front desk girl cassie if very nice and always does what she can to help .

Anonymous
My husband recently had some issues, as a result of an error with the Virginia Dept of Motor Vehicles. The issue was clearly their fault. My husband showed up at David Chudyk's office after hours and Mr. Chudyk opened the office back up to help him. It took over 3 weeks to have the issue resolved, but Mr. Chudyk and his staff faxed, refaxed and refaxed again the paperwork that they needed as well as made numerous phone calls. I appreciate David Chudyk and his staff for helping my husband straighten this issue out. I feel that they went above and beyond for us.

jagibson
During an exhausting search for a better price with my clients insurance for Business and personal. I was extremely aware that David was not only considerate but helpful in guiding me to the right coverage at the best possible pricing.. He has went beyond any other agent in my past 25 years has done to ensure that this office and my clients personal coverage was not only what the required but what they needed. In a world of law suits coming for all directions having someone to guide you in what is necessary is what I call above the bar service. Also I am in Cashiers NC and he had no problem servicing our needs from his Seneca SC business office. I plan to let everyone know what an excellent individual / company he is to work with! Again. Thank You David and staff.

Rice
This is.one of the best offices aroun they are very nice and helpfull. I would recomend this for anybody:D

Evan
I have worked with David over the last year. He has shown me that his main goal is to provide excellent service and adequate coverage to his clients. Recently, I spoke with a current customer of David's who spoke very highly of David's consultative selling approach. In fact, he said that he knows David will always take care of him and make sure he has all the coverages he needs, no more and no less.

Anonymous
David and staff are always responsive to my requests for information and policy changes. My preferred channels of communication are email, phone, and text message, but usually not an office visit. The Chudyk agency has always responded to my requests and needs in a timely manner regardless of which method of communication I use to contact them. Thus far, my experience with Nationwide and the Chudyk Agency have been positive.

sburrell