Contractors Insurance
Comprehensive coverage for construction and trade contractors
Contractors need more than standard GL. A complete contractors insurance program includes General Liability, tools and equipment, Workers' Comp, and commercial auto — plus specialty coverages like Inland Marine for equipment in transit and Builders Risk for projects under construction.
What's Covered
What this policy covers
- General Liability — bodily injury and property damage from your work
- Tools & Equipment / Inland Marine — your tools and equipment wherever they go
- Workers' Compensation — mandatory for your employees
- Commercial Auto — your work trucks and vans
- Builders Risk — projects under construction from start to completion
- Completed Operations — claims that arise after you finish a job
- Professional Liability — for design-build or consulting work
Who Needs It
Is this coverage right for you?
- General contractors and subcontractors of all trades
- Plumbers, electricians, and HVAC technicians
- Roofers and solar panel installers
- Landscapers, tree services, and hardscape contractors
- Flooring, painting, and finish contractors
- Pool, spa, and concrete contractors
FAQ
Common questions about Contractors
What is the difference between GL and Professional Liability for contractors?
GL covers physical injury and property damage. Professional Liability (E&O) covers financial losses from design errors or professional advice — important for design-build contractors, engineers, and architects.
I hire subcontractors. Do I need to verify their insurance?
Yes. If a subcontractor doesn't have their own GL and Workers' Comp, you may be responsible for their claims. Always collect Certificates of Insurance naming you as additional insured before work begins.
What is Builders Risk insurance?
Builders Risk covers a structure under construction — protecting materials, labor, and the partially-built building from fire, theft, vandalism, and weather. It runs from groundbreaking until the certificate of occupancy.
Does my GL cover tools stolen from my truck?
Standard GL doesn't cover your own property. Tools and equipment coverage (Inland Marine) protects your tools anywhere they go — at the job site, in your truck, or at your shop.
Ready to get Contractors coverage?
We'll find the right carrier and limits for your specific situation — same-day quotes for most accounts.