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Common insurance coverages for contractors Basic coverages General Liability General liability is typically needed before a contractor can begin work on a job. Make … In 2023, you could gift anyone up to $17,000 per year tax-free—this is known as the annual gift tax exclusion and is set each year by the IRS . Southern Guard Insurance 10000 Stirling RD Suite 6 Cooper City, FL 33024. In 2023, you could gift anyone up to $17,000 per year tax-free—this is known as the annual gift tax exclusion and is set each year by the IRS . Take Advantage of Discounts - Wisconsin insurers often offer discounts for good grades, safe driving records and even defensive driving courses. Progressive offers specialty commercial truck coverage for motor carriers and owner-operators using semi-trucks. Wondering what your boat insurance policy includes and excludes? 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