Business Insurance
Contractors Insurance
Insurance tailored to contractors and the construction trades.
Coverage overview
Contractors often maintain a combination of coverages — general liability, commercial auto, tools and equipment (inland marine), and workers' compensation — because their work spans job sites, vehicles, equipment, and employees.
Requirements are frequently driven by license boards, general contractors, or project owners, and the right mix depends on the trade and how you operate.
Who may need this coverage
- General contractors and subcontractors
- Skilled trades such as electricians, plumbers, and HVAC
- Contractors required to show coverage to win work
- Businesses with tools, equipment, and work vehicles
Common coverage considerations
- General liability and additional insured obligations
- Tools, equipment, and installation (inland marine) options
- Commercial auto for owned and hired vehicles
- Workers' compensation where employees are used
- Contract and license-board requirements
What may not be covered
- Faulty workmanship in some situations, depending on terms
- Employee injuries under general liability (that's workers' comp)
- Wear and maintenance of tools and vehicles
- Risks specifically excluded by each policy
Factors that may affect price or eligibility
- Your trade and the scope of work
- Payroll, revenue, and subcontractor use
- Coverage limits and equipment values
- Claims history and safety practices
Information commonly needed for a quote
- A description of your trade and typical projects
- Annual revenue, payroll, and subcontractor costs
- Vehicles and major tools/equipment to cover
- Any contract or additional insured requirements
A practical example
A subcontractor's tools are stolen from a job site overnight and a client requires proof of liability with additional insured status. A tools and equipment (inland marine) policy may help replace the tools (subject to limits and the deductible), while general liability can typically add the client as an additional insured to meet the contract.
Questions to ask a licensed professional
- Which coverages do my contracts and license board require?
- How are my tools and equipment best covered?
- Do I need commercial auto for my work vehicles?
- How are subcontractors handled for liability and workers' comp?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
Let's Protect What Matters to You.
Tell us what you need to protect, and a licensed insurance professional can help you explore available options.