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Contractor Insurance
A certificate that doesn't match the contract can keep you off a job, whether you're a sub working for a GC or a GC answering to an owner and lender. We read your contract before we quote, compare insurance companies for liability, workers comp, equipment, auto and bonds, and turn certificates around fast, in English or Spanish. Call or text with your contract in hand and a real person will go through it with you.
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Coverages
What Most Contractors Carry
General Liability
Property damage and injuries you cause on a job. Most GCs and permits require it, often with additional insured wording.
Workers Comp
Required for most contractors with employees. In Florida, construction businesses need it with even one employee, and some officers can file an exemption.
Bonds
License, permit, performance and payment bonds.
Commercial Auto
Work trucks and vans, including tools and equipment you carry.
Tools and Equipment
Covers your gear on the truck, on site and in storage.
Builders Risk
The structure itself while it's under construction or renovation, for contractors and developers.
Umbrella
Extra limits on top of your liability and auto policies when a contract calls for them.
Certificates
Additional insured, waiver of subrogation and primary wording, sent quickly when you need them.
Good to Know
Before You Buy
Contracts set most of what a contractor has to carry. We read yours and go through each point with you before you sign.
- Contract terms. GCs, owners and lenders often require additional insured status, waiver of subrogation and set limits in the contract.
- Workers comp. Many states require workers comp for contractors, in some states from the first employee.
- Subcontractors. Uninsured subs can show up on a GC's workers comp audit and raise the GC's premium.
- Bonds. Many jobs require a license or permit bond, and larger projects often require performance and payment bonds.
- Completed work. Many claims come after the job is done. Completed operations coverage responds to covered claims from finished work.
- Equipment. General liability doesn't cover your own tools and machines. Contractors equipment coverage does.
Pair It With
Gaps Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
The Building Isn't Covered While It Goes Up
Your liability policy doesn't cover the structure under construction. Builders risk does, sized to the project.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Your Equipment Isn't Covered by Liability
General liability covers damage to others, not your own machines. Contractors equipment coverage protects those.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
By trade
Find Your Trade
The GC needs a certificate by tomorrow. Can you help?
Yes. If you're a client, send us the holder's name, address and any required wording through the Client Center. For new clients, timing depends on the insurance company, and we'll tell you what to expect once we have your application.
What is "additional insured"?
It extends your liability coverage to the GC or property owner for claims that come from your work. Many contracts require it, and it has to be added on the policy, not just the certificate.
Do I need workers comp if it's just me?
It depends on your state. In Florida, a corporate officer may be able to file an exemption. Once you hire anyone, you need a policy. We'll walk you through which applies.
Tell Us Your Trade. We'll Do the Shopping.
Most contractor quotes take two minutes to start.