Contractors Insurance Built Around Your Work

Contractors insurance is a coordinated group of commercial coverages designed around construction, installation, repair, maintenance, and trade-related operations. It may include general liability, workers’ compensation, commercial auto, tools and equipment, property, and specialized project coverage.

General liability may help address covered claims involving third-party bodily injury, property damage, and personal or advertising injury. It may also include products-completed operations coverage for certain injury or damage claims arising after contracted work is completed. Learn more about General Liability Insurance.

General liability generally does not pay simply to replace or correct a contractor’s defective work. Depending on the policy and circumstances, resulting bodily injury or damage to other property may be treated differently. Workmanship warranties, exclusions, and completed-operations provisions should be reviewed carefully.

Requirements vary by state, employee count, business structure, and the nature of the work. Contractors should verify who qualifies as an employee and whether owners or officers may be included or excluded. Visit our Workers’ Compensation Insurance page.

Subcontractors are not automatically insured under every contractor policy. Policies may impose subcontractor requirements, exclusions, insurance limits, written-contract requirements, or additional premiums. Contractors should collect and review certificates and required endorsements from subcontractors.

Contractors equipment or inland marine coverage may help protect eligible tools and mobile equipment at the contractor’s premises, in transit, or temporarily located at a job site. Coverage depends on schedules, limits, valuation methods, deductibles, security requirements, and theft exclusions.

Commercial auto physical damage generally covers an insured vehicle rather than tools, materials, or portable equipment inside it. Inland marine or tools and equipment coverage may be required. Learn more about Commercial Auto Insurance.

An additional insured is a person or organization granted certain protection under another party’s liability policy through an endorsement. Construction contracts often require additional insured status, but the scope depends on the endorsement, contract, policy, and applicable law.

Pricing may depend on trade classifications, revenue, payroll, subcontractor costs, project types, maximum project size, operating territory, vehicles, equipment values, prior claims, selected limits, deductibles, and endorsements.

You may need to provide trade and project descriptions, revenue, payroll, employee and subcontractor costs, licenses, vehicle information, tool and equipment values, current insurance, contracts, and loss history. Begin on our Get a Quote page.