Water Well Drillers Insurance
Fresno, CA.

Kerr Insurance Brokers in Fresno, CA  specializes in insurance package for water well drillers. The water well drilling industry has very specific insurance needs, and we provide coverage options that cater to your business.

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Here are some of our general coverage options for water well drillers:

• Property damage

• Liability coverage

• Inland marine

• Busines Auto

• Workers Compensation

• Excess Liabilty

• Professional Liability

• Equipment Insurance

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Kerr Insurance Provides Insurance for:

• Agriculture Water Well Drillers

• Residential Water Well Drillers

• Commercial Well Drillers

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Contact a representative at Kerr Insurance Brokers today to go over your water well drilling business insurance options. We’ll work with you to find a protection plan that suits your needs.

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You stoop, you squat, and you crawl. Your well drilling business is tough work, but people in your community depend on your expertise and experience. You know the risks that come with your work, but do you know the obstacles you could face as a business owner?

 

Kerr Insurance Brokers is local and dedicated to helping you maintain a thriving well drilling business through the good, the bad, and the dirty.

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Our insurance platform helps water well drilling owenrs with insurance options to protect what they’ve created. We know your time is best spent helping your community, family, and company, so we make getting insured easy.

 

Not sure what policies you should consider?

No worries — we’re here to give you the information and customized quotes you need to make a choice you’re satisfied with.

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All you have to do is answer a few questions to get your free, custom quotes.

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Ready to get started?

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Here are two types of business insurance available to water well drillers:

• General liability insurance

• Workers compensation insurance

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Each type of policy covers different scenarios, but all insurance offers the benefits that:

• It can protect your business from certain claims.

• It can cover damages caused by your negligence.

• Proof of insurance can help clients feel good about your work.

• It may be legally required where you’re located.

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What Type of Water Drilling Insurance do I Need?

General Liability Insurance
If you want to add a jack-of-all-trades, catch-all kind of advocate to your team, consider general liability insurance. When you think of getting coverage for your business, this type of policy likely comes to mind. General liability insurance typically covers bodily injury, property damage, and third-party (e.g., customer or vendor) accidents.

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You also may be able to add Contractors Tools and Equipment coverage to your plan, which could offset the cost if your drilling equipment was to be stolen.

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Let’s bring this concept to life with a scenario. Imagine you’re drilling at a job site when you hit a rock. The impact causes your drill to kick back, and it ends up flying into a nearby shed. You damage a structural wall, and understandably, your customer isn’t too pleased.

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The average customer injury or damage claim is a whopping $30,000, and without business insurance, you could be left with the entire bill.

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GL insurance could help out in the scenario above for those who’d rather be safe than sorry. Your policy could likely cover damages and legal fees if your customer were to sue you.

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Plus, some states require well drilling businesses to carry insurance coverage. 

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To recap, here’s what general liability insurance usually can cover:

• Bodily injury to another person

• Third-party property damage

• Personal and advertising injury

• Medical expenses

• And more

• Now check out what general liability insurance usually doesn’t cover:

• Damage to your own property

• Professional services

• Workers compensation or injury to your employees

• Damage to your work

• Motor vehicles while in business use

• Expected or intentional injury or damage

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Workers Compensation Insurance for Well Drillers

Do you have employees? If so, this is essential information! Each state has its own insurance laws, but if you have employees, it’s likely you’ll need to carry workers compensation insurance. This type of policy also called workers comp, covers medical bills, lost wages, and legal costs associated with an employee who gets sick or hurt on the job.

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You can check your state’s requirements here, or answer a few questions to get a custom quote with your location in mind.

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The average cost of workers comp claims is $40,051, and a fracture or dislocation while handling machinery on the job could lead to an average claim cost of nearly $60,000. While employee injuries will hopefully be few and far between, the price of a single accident is enough to make workers compensation insurance worth it.

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Generally, workers compensation insurance for well drilling companies can cover:

• Medical payments

• Lost wages

• Rehabilitation expenses

• Death benefits