Contractors / Service Insurance in Maine
It's Your Business, Let's Protect the Work You Do.
Protecting the Businesses That Keep Maine Working
At Cheney Insurance, we understand that no two businesses are alike. Contractors and service professionals face unique challenges every day, from working at customer locations and managing equipment to hiring employees, managing subcontractors, and meeting contractual insurance requirements.
For decades, we have worked closely with businesses throughout Maine to develop insurance programs designed specifically for their operations. We specialize in serving a wide range of contractors and service businesses, including:
- Electricians
- Plumbers
- Landscapers
- Painters
- Surveyors
- Salons and Barbershops
- Massage Therapists
- Property Maintenance Companies
- General Contractors and Trade Contractors
- HVAC Contractors
- Excavation Contractors
- Carpenters and Remodelers
- Cleaning and Janitorial Services
- Maine Guides and Outdoor Service Providers
Whether you’re working on residential projects, commercial construction sites, municipal contracts, or providing professional services directly to customers, having the right insurance protection is an important part of managing risk and protecting your livelihood.
Understanding the Risks Your Business Faces
Every contractor and service business has unique exposures. A single accident, lawsuit, equipment loss, or workplace injury can create significant financial challenges.
Depending on your operations, your insurance program may include:
- Commercial General Liability Insurance
- Commercial Property Insurance
- Inland Marine and Equipment Coverage
- Commercial Auto Insurance
- Workers’ Compensation Insurance
- Professional Liability Insurance
- Cyber Liability Insurance
- Umbrella Liability Insurance
- Bonds and Specialized Contractor Coverages
Our goal is to help you understand your risks and build an insurance program that addresses the exposures most relevant to your business.
More Than Just an Insurance Policy
At Cheney Insurance, we believe insurance is more than simply providing a quote. Taking the time to understand your business is one of the most important steps in helping protect it.
Our team works closely with business owners to learn about their operations, services, employees, equipment, vehicles, subcontractors, contracts, and future goals. By understanding how your business operates, we can identify potential exposures and help ensure there are no unexpected gaps in your coverage.
Whether you are a sole proprietor just getting started or an established business with multiple employees, we take a proactive approach to building an insurance program that fits your needs today and can grow with your business tomorrow.
Certificates of Insurance Matter
Many contractors and service businesses are required to provide Certificates of Insurance (COIs) before beginning work. Customers, general contractors, municipalities, property managers, and project owners often rely on these documents to verify insurance coverage requirements have been met.
At Cheney Insurance, we take pride in providing accurate and timely Certificates of Insurance for our clients. We understand that a certificate is often more than just a piece of paper—it can be the key to securing a job, meeting a contract requirement, or getting work started on schedule.
Our team carefully reviews certificate requests to help ensure the information is accurate, current, and reflects the coverage requirements outlined in contracts whenever possible. We work closely with our clients to verify Additional Insured requirements, waiver of subrogation requests, and other insurance specifications that are commonly required in today’s business environment.
Because details matter, we believe taking the time to get it right helps protect both our clients and the parties requesting proof of insurance.
A Trusted Partner for Your Business
As your business evolves, your insurance needs may change as well. That’s why Cheney Insurance is committed to building long-term relationships with our clients. We are here to answer questions, review your coverage, assist with contract insurance requirements, and provide guidance as your business grows and changes.
As an independent insurance agency, we work with multiple insurance carriers to help find coverage solutions that fit your industry, your operations, and your budget.
When you partner with Cheney Insurance, you gain more than an insurance policy—you gain a team dedicated to helping protect the business you’ve worked so hard to build.
Let’s Start A Conversation Today
Whether you’re an electrician, plumber, landscaper, contractor, salon owner, Maine Guide, or another service professional, your business faces unique risks every day. Having the right insurance coverage in place can help protect your employees, equipment, vehicles, reputation, and financial future when the unexpected occurs.
At Cheney Insurance, our experienced Commercial Lines team takes the time to understand your business, review your operations, and identify potential exposures that could impact your success. As an independent insurance agency serving businesses throughout Maine, we work with multiple insurance carriers to build customized insurance programs designed to fit your industry, your operations, and your budget.
Contact Cheney Insurance today to discuss your contracting or service business insurance needs and discover how we can help protect the business you’ve worked so hard to build.
