Comprehensive coverage for construction and trade contractors

Contractors Insurance

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.

Get a quoteCall (623) 873-1234

At a glance

Contractors

Reviewed by a
licensed agent
State License
Many states tie licensing to a bond or insurance
Core Package
GL + Tools/Equipment + WC
Certificates
Same-day ACORD 25 issuance
Key Endorsement
Additional Insured + Waiver of Subrogation

Watch for: Additional insured, waiver of subrogation, primary and non-contributory. Read the contract; it usually asks for all three.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers07

  • 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 it06

  • 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

By state

Workers' comp changes at the state line.

Arizona
Required for any employer with one or more employees (A.R.S. §23-902). An uninsured employer can be sued directly by an injured worker without the usual defenses, must repay any benefits the state’s Special Fund pays plus a penalty of 10% or $1,000, whichever is greater, and faces civil penalties of up to $1,000, rising to $5,000 and $10,000 for repeat failures within five years. The Industrial Commission can also ask a court to stop the business operating until it is covered.
California
Every employer with employees must carry it (Labor Code §3700). If the state finds you uninsured it issues a stop order, which bars using employee labor until you are covered, with a penalty of $1,500 per employee, and going without is a misdemeanor. Under AB 5 (Labor Code §2775) a worker is presumed to be an employee unless the business meets all three parts of the ABC test.
Elsewhere
Who has to carry it, who counts as an employee and the penalties for going without all differ by state. The 17 states we're licensed in.

By state

Contractor licensing changes at the state line.

Arizona
A Registrar of Contractors (ROC) license needs a bond sized by license type and yearly volume: $4,250 to $15,000 for residential work and $2,500 to $100,000 for commercial. Contractors with employees must carry workers’ comp. Beyond that the ROC requires no insurance to license, so general liability is set by your contracts and your own risk, not the license.
California
Every Contractors State License Board (CSLB) license needs a $25,000 contractor’s bond, up from $15,000 on January 1, 2023. An LLC license also needs liability insurance: $1 million for up to five people on the license, plus $100,000 for each additional person, up to $5 million. Concrete (C-8), HVAC (C-20), asbestos (C-22), roofing (C-39) and tree service (D-49) contractors must carry workers’ comp even with no employees, and from January 1, 2028 every licensee must carry it unless the CSLB verifies an exemption.
Elsewhere
Many states tie a contractor license to a bond, liability insurance or workers’ comp. The requirement depends on the state and the license. The 17 states we're licensed in.

Questions

About contractors, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    General Liability

    Core protection every business needs
  2. 02

    Workers' Comp

    Required for employers in nearly every state
  3. 03

    Commercial Auto

    Coverage for vehicles used in your business

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with contractors options from more than one carrier, explained in plain English.

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(623) 873-1234
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