The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
L. Calvin Jones
Since 1911, L. Calvin Jones and its team have possessed a strong passion for insurance and protecting what their clients value most. We provide a sense of security to many businesses and households throughout Ohio, Pennsylvania, and the continental United States through our care, expertise, and trusted advice.
Our Mission
At L. Calvin Jones, our mission is very simple. We are local professionals committed to protecting what matters to you most.
The Solution To Your Insurance Needs
Providing a variety of business insurance, personal insurance, and employee benefits solutions is what L. Calvin Jones does best.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.
As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.
A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.
Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.
Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
Contractor Insurance 101
Make sure you cover the unique risks you face with contractor insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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Our Clients Rave About Us
Check out our reviews and see why you should switch to L. Calvin Jones.
Real clients. Real reviews. Real coverage.
“We’ve been with L. Calvin Jones for over 15 years. Our insurance needs change often, but our agent makes the necessary policy adjustments to keep us protected and understands the many risks associated with our business in building construction.”
Mike Coates Construction Company
“What a pleasure it is to work with the team at L. Calvin Jones. Your knowledge, professionalism, approach, and attitude are impressive. Hopefully many more companies will benefit, as we did, from your services and experience.”
United Freezer and Storage Company
“We would like to thank our agent and all the employees at L. Calvin Jones for all your expertise in continually meeting our bonding, real estate development, auto, health, home, and life insurance needs. We look forward to many more years of continued cooperation.”
Daniel A. Terreri & Sons, Inc.
What Makes L. Calvin Jones Qualified?
Over a Century of Trustworthy Advice
Our insurance agency has been around since 1911 and bringing local and regional knowledge to finding proper protection.
Clients Are Top Priority
We serve as your advocate and are here to help, whether you’re selecting proper coverage through filing a claim.
Extended Service in 48 States
Our solutions are crafted to protect the unique risks of businesses and individuals across the continental United States.
A Team of Reliable Advisors
Our team has 350+ years of combined experience and holds many designations earned through quality education.
What Makes L. Calvin Jones Qualified?
Over a Century of Trustworthy Advice
Our insurance agency has been around since 1911 and bringing local and regional knowledge to finding proper protection.
Clients Are Top Priority
We serve as your advocate and are here to help, whether you’re selecting proper coverage through filing a claim.
Extended Service in 48 States
Our solutions are crafted to protect the unique risks of businesses and individuals across the continental United States.
A Team of Reliable Advisors
Our team has 350+ years of combined experience and holds many designations earned through quality education.
Contact L. Calvin Jones
As an independent agency, we are here to help you find the right coverage.
Canfield, OH
3744 Starr Centre Drive
Canfield, OH 44406
We offer insurance in Canfield, OH and the Youngstown, OH area and extend solutions to individuals and businesses across the continental United States.