Contractors face unique insurance needs. The work you do is dangerous and risky, and making mistakes on the job can place employees in immediate risk. Mistakes can also lead to risks down the road for the people who live, work or shop in the buildings you create. Risks are related to the quality of craftsmanship, the materials used in building, and the environmental impact the buildings present. Many property owners require you to purchase bonds ensuring timely completion, proper safety considerations, following the blueprints to the letter, and using quality materials in the construction process. Getting the right insurance protection is a necessity, rather than an option, in this industry.