Contractor Insurance Quote
Get a contractor insurance quote tailored to your specific trade. We compare carriers to find coverage for general contractors, subcontractors, and specialty trades at competitive prices.
Contractors face risks most businesses don't. Job site injuries. Property damage during construction. Equipment theft from trucks and sites. Faulty workmanship claims years after project completion. The right insurance protects you from all of them.
Without proper coverage, one bad project could end your business. One lawsuit could take everything you've built.
What Coverage Do Contractors Need?
Most contractors need a combination of coverages that protect different aspects of their business:
• General liability insurance - Covers bodily injury to third parties and property damage you cause. The foundation of contractor protection.
• Workers compensation - Required if you have employees. Covers their injuries on the job.
• Commercial auto - Covers your work vehicles, trucks, and the tools inside them.
• Inland marine / tools and equipment - Specialized coverage for tools and equipment that general property insurance doesn't adequately cover.
• Builder's risk - Protects projects under construction from damage during the build.
• Surety bonds - Often required for bidding on commercial and government projects.
• Professional liability - For design-build contractors who provide design services.
Trades We Insure
We work with contractors across all trades. Each has different risk profiles and coverage needs:
• General contractors - Coordinating entire projects with multiple subcontractors.
• Electricians - Working with live power and electrical systems.
• Plumbers - Water damage potential and system failures.
• HVAC technicians - Refrigerants, heavy equipment, and system components.
• Roofers - Heights, falling debris, and weather-related exposures.
• Painters - Lead paint liability, overspray, and surface damage.
• Carpenters - Structural work and finish carpentry.
• Concrete and masonry - Heavy equipment, structural components.
• Landscapers - Equipment, property damage, and premises liability.
Why Contractors Pay More for Insurance
Construction is inherently high-risk. Workers operate dangerous equipment. They work at heights. They handle heavy materials. Property damage is common. Injuries happen despite safety precautions.
Carriers price contractor insurance accordingly. But rates vary significantly between carriers. Some specialize in construction and price competitively because they understand the risks. Others avoid contractors and charge premium rates to discourage the business.
We find the carriers that want contractors and price them fairly.
What Affects Your Contractor Insurance Rate?
• Trade classification - Roofers pay more than painters. Classification matters most.
• Annual revenue - Larger operations mean higher premiums.
• Number of employees - More workers equals more exposure.
• Subcontractor usage - Using subs without proper coverage increases your risk.
• Claims history - Past claims predict future claims.
• Project types - Residential, commercial, and government work have different risk profiles.