Welcome U.S. Endeavor Telecom Contractors
Endeavor has partnered with us to provide contractors like you an easy, affordable way to secure the insurance coverage called for in your contract.
What Endeavor requires
Endeavor Telecom requires the following types and amounts of insurance coverage. Note: The minimum requirement for independent contractors is different than the requirement for contracting firms with employees.
Select the Policies You Need
Individual Independent Contractors
Description of Coverages
Professional Liability / Errors and Omissions
Professional liability can include basic technology errors and omissions coverage or can be broadened to cover claims of software copyright infringement or even cyber liability. Errors and Omissions coverage is available from more insurance companies than ever and it is possible to customize a policy to address your specific risks. Essentially, these polices protect you if a client alleges that your company’s professional negligence caused them to suffer a financial loss. learn more »
General Liability and Business Owners’ Package Policy
Commercial General Liability (CGL) is probably the most common business liability coverage. General Liability coverage responds to claims of bodily injury (someone comes into your office and slips and falls, or you go to a client’s location and physically injure someone) and claims of property damage (you knock a vase off a desk during a client meeting). These policies typically also respond to claims of personal injury (including slander or libel), and advertising injury. General Liability can usually be purchased alone or in a package with Property coverage, Hired and Non-owned Auto Liability and Umbrella or Excess Liability. learn more »
Hired Auto & Non-Owned Auto
Typically added as an endorsement on a General Liability policy, Hired and Non-owned auto liability protects your company if an employee has an accident in a personal vehicle and the employees insurance is inadequate to pay the claim. When there are no vehicles titled in the company name this coverage will meet the contract requirement for Commercial Auto coverage. learn more »
Umbrella Liability (AKA Excess Liability)
When the amount of liability coverage provided by your General Liability, Auto Liability, and/or Employers Liability is not enough, Umbrella or Excess Liability coverage can be the solution. Umbrella coverage is typically added as an endorsement on a General Liability policy, but is sometimes a separate policy. Additional coverage is offered in increments of $1,000,000 up to $10,000,000 or more. learn more »
Workers' Compensation Insurance
In many states, if you have any employees, you are required to cover them under a Workers' Compensation policy. Workers' Compensation has two coverage areas: 1) medical and disability coverage for on-the-job injuries or work related illness, and 2) coverage for your liability if an employee is injured on the job and alleges that your negligence contributed to the injury or illness (Employers’ Liability). In many states sole proprietors and company principals such as owners, officers and partners can exclude themselves from workers' compensation coverage. learn more »
Employer's Liability coverage
Workers’ Compensation policies also provide coverage in the event that you are sued by an employee alleging that your company’s negligence or failure to provide a safe workplace was the cause of the employee's injury or illness. learn more »
Fidelity or Commercial Dishonesty Bond (AKA Employee Dishonesty)
Often required when you have clients in banking or financial services, third party Employee Dishonesty provides coverage when an employee steals money, equipment or other assets from one of your clients. This may include theft of money by electronic funds transfer. (First party fidelity covers your property but is applied for separately.) learn more »
