Insurance for Contractors
Contractors face risk on every job site — from a subcontractor’s mistake to a worker injury, damaged client property, or equipment theft overnight. Whether you’re a general contractor managing large builds or a specialty trade handling one job at a time, the right insurance program protects your crew, your equipment, and your business from the financial fallout of an accident, an error, or an unexpected setback. We help contractors of all types and sizes build coverage that matches the real risks of working in the field.
Coverage contractors typically need:
General Liability — Covers third-party claims of bodily injury or property damage on the job — a client’s property accidentally damaged during work, or someone injured at your job site. Most contracts and licensing requirements call for this as a baseline.
Workers’ Compensation — Covers medical costs and lost wages if a worker is injured on the job, which is especially important given how physically demanding and high-risk construction work can be. In most states, it’s required if you have employees.
Commercial Auto — Covers your work trucks, vans, and any vehicles used to transport crew, tools, and materials between job sites — protection a personal auto policy typically won’t provide.
Builder’s Risk Insurance — Protects a project while it’s under construction, covering damage to the structure, materials, and equipment on-site from fire, theft, vandalism, or weather before the project is complete.
Tools & Equipment (Inland Marine) Coverage — Covers tools, machinery, and equipment that move between job sites — protection a standard property policy doesn’t typically extend to mobile equipment.
Professional Liability — For contractors who provide design, engineering, or consulting services in addition to construction, this covers claims of errors or negligence in that professional advice, separate from physical damage or injury claims.
Surety Bonds — Many contracts and licenses require contractors to be bonded, guaranteeing you’ll complete the work as agreed. We help with performance bonds, payment bonds, and license/permit bonds depending on what your projects and state require.
Umbrella/Excess Liability — Given the scale of risk on many job sites, an umbrella policy adds an extra layer of protection above your other liability coverage in case of a major claim or lawsuit.
Your risk profile depends heavily on your trade, project size, and whether you use subcontractors — a roofer, an electrician, and a general contractor managing multiple crews all face different exposures. We’ll help you put together a coverage program — including the bonds you need to win contracts — that fits the actual work you do.