Contractors
From general contractors to specialty trades, we build programs that satisfy job contracts and protect your crew, your tools and your reputation.
Contractors face risk on every job site, and the contracts you sign often dictate the limits and endorsements you need before you can start work. We help you meet those requirements without paying for coverage you don't need.
We also handle the certificates of insurance your clients and general contractors ask for, usually within one business day.
What's covered
General liability
Covers injuries and property damage to others arising from your work, including completed operations after the job is done.
Tools & equipment
Inland marine coverage for tools, equipment and materials on the job site, in transit or in storage.
Commercial auto
Coverage for work trucks, vans and trailers, plus hired and non-owned auto liability.
Workers' compensation
Medical bills and lost wages for employees injured on the job, with help managing payroll audits.
Builder's risk
Protects structures under construction against fire, theft, vandalism and weather until the project is complete.
Surety bonds
License and permit, bid, performance and payment bonds so you can qualify for more projects.
Who it's for
- General contractors
- Electricians
- Plumbers & HVAC
- Roofers
- Remodelers
- Landscapers
- Concrete & masonry
- Painters
Common questions
Why do clients keep asking me for a certificate of insurance?
A certificate proves you carry the coverage a contract requires. Many clients also need to be named as additional insured. Request one anytime through our Support page and we'll turn it around quickly.
Are my tools covered by my general liability policy?
No. General liability covers damage you cause to others. Your own tools and equipment need inland marine coverage, which can follow them from job to job.
Do my subcontractors need their own insurance?
Yes. Uninsured subcontractors can be added to your workers' comp and liability premiums at audit. Collecting their certificates before work starts protects you.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.