Contractors & Service Businesses

Insurance built around the work, workforce, contracts, and customer locations.

Piedmont helps contractors and service businesses connect the work they perform with jobsites, customer premises, employees, temporary workforce, subcontractors, vehicles, tools, equipment, and the contracts that shape responsibility.

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Operating context

The operation changes with the job, the customer, and the crew.

Contracting, staffing, cleaning, maintenance, and other service operations may share some exposures, but the work, workforce, site control, and contracts should be reviewed on their own terms.

Jobsites and customer premises

Location, site control, phases of work, access, customer property, and the conditions around each assignment influence the liability and property picture.

Employees and temporary workforce

Employees, temporary workers, supervisors, hiring practices, training, classifications, and who directs the work shape the people and employment exposures.

Subcontractors and vendors

Delegated work, subcontractor selection, certificates, insurance terms, supervision, and retained responsibilities should match the work actually performed.

Locations, states, and operations

Multiple locations or states can change employees, vehicles, customer requirements, service territories, and the way the program is evaluated.

Material exposures

Review the exposures that follow the work from agreement to closeout.

A focused review considers the people, places, property, vehicles, equipment, customer relationships, and contracts that can materially affect the business.

Jobsite and customer-site liability

Site conditions, completed work, third-party property, customer premises, project controls, and the activities of other parties can affect general liability exposure.

Vehicles, tools, and equipment

Commercial vehicles, mobile equipment, rented equipment, tools, materials, and property in transit deserve attention based on how the operation works.

Workforce and employment exposures

Workers’ compensation, hiring, supervision, workplace practices, temporary staffing, and the locations where people work are part of the operating review where applicable.

Subcontracted work

Subcontractor selection, certificates, additional insured status, indemnity, and the work performed should align with the contract and field reality.

Service lines and territory

New services, customers, states, drivers, and operating territories can change risk and contract considerations.

Coverage considerations

Compare coverage with the work and the transfer of contractual risk.

Review whether general liability, workers’ compensation, auto, inland marine, tools and equipment, and umbrella/excess terms follow the actual work and contract requirements.

General liability

Compare operations, completed work, contractual liability, exclusions, limits, customer premises, and jobsite exposures.

Workers’ compensation

Consider employee roles, temporary workforce, classifications, payroll assumptions, state operations, and how the program follows the crews.

Commercial auto

Review owned, hired, and non-owned vehicles, driver use, service areas, garaging, routes, and vehicle changes.

Inland marine, tools, and equipment

Ask how mobile equipment, tools, rented items, materials, and property away from premises are treated.

Umbrella/excess liability

Compare excess structure and underlying requirements against contracts, projects, vehicles, customer sites, and potential severity.

Relevant coverage categories

Compare the categories that reflect the operation.

General liability

Workers’ compensation

Commercial auto

Inland marine, tools, and equipment

Umbrella/excess liability

Employment-related exposures where applicable

Contractual and customer requirements

Certificates document a requirement; the contract defines the conversation.

Customers, project owners, landlords, and vendors may set requirements for certificates, additional insured status, waiver of subrogation, primary and noncontributory terms, limits, and indemnity. Review the agreement, the work, and the subcontractor structure together.

Contractual risk transfer

Compare indemnity, insurance, defense, warranty, completed-work, and responsibility language with the services actually performed.

Certificates and policy terms

Certificates are evidence, not a substitute for policy terms. Review requested limits, forms, additional insured treatment, waiver of subrogation, and primary/noncontributory wording where relevant.

Customer and project requirements

Project-specific limits, state requirements, evidence standards, subcontractor controls, and closeout obligations can affect how the program is structured.

Business lifecycle

The program should keep pace with the work the business agrees to do.

New territories, service lines, project types, locations, crews, vehicles, and subcontractor relationships can change the risk before the next renewal arrives.

New territories or states

Entering a new geography can change travel, employees, customer requirements, subcontractor networks, and operating assumptions.

New service lines

A new type of work can introduce different contracts, tools, employees, completed-work exposure, and market considerations.

Growth and workforce change

More projects, locations, employees, temporary workers, vehicles, or subcontractors merit a coordinated review of limits and risk transfer.

Piedmont’s contractors and service businesses advisory approach

Understand the work and stay connected as the business changes.

We approach insurance in the context of the business itself—its priorities, exposures, changes, and the risks that deserve attention.

Understand the business

Identify meaningful risk

Structure the program

Evaluate the options

Stay engaged

Start with the work, workforce, contracts, customer locations, vehicles, equipment, and subcontractors that define the business before a renewal or expansion.

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