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Contractor Insurance: The Coverage That Lets You Bid, Win, and Keep Working
The core commercial lines every contractor and trade carries, and the gaps that quietly show up on a certificate of insurance request.
What It Covers
Contractor insurance is not a single policy. It is the set of coverages that protect your operation from the risks your work actually carries: third-party injury and property damage, the tools and equipment you move between jobs, the vehicles your crews drive, and the professional exposure that comes with design or consulting work. Most contractors carry several of these lines at once, often bundled, and general contractors and public agencies check them before you are allowed to bid.
Who Needs It
Nearly every contractor and trade business. The exact mix depends on your work: a roofer, an electrician, and a general contractor carry different combinations. We build the program around your actual operation, not a template, and make sure the certificates you hand out match what your contracts require.
Articles in Contractor Insurance
General Liability for Contractors
Third-party injury and property damage, and why almost every GC requires it before you start.
Builders Risk Insurance Explained
Coverage for a structure under construction, and who should carry it.
Inland Marine: What’s Actually Covered
Tools, equipment, and materials in transit or stored off-site.
Commercial Auto: The Two Gaps Every Contractor Misses
Where personal auto policies leave contractors exposed.
Professional Liability: The Coverage That Runs on a Clock
Errors and omissions exposure for design, spec, and consulting work.
Property Insurance: What’s Actually at a Fixed Location
Owned or leased buildings, shops, and business personal property.
Cyber Liability for Contractors
A growing exposure as contractors move estimating and payments online.
When You Need an Umbrella Policy
How excess limits stack on top of your GL and auto.
Not sure what your contracts actually require?
Tell us about your operation and a licensed advisor will make sure your coverage and certificates line up.