Insurance for General Contractors
Contractors operate in high-risk environments every day. One job-site injury, one property damage claim, or one subcontractor issue can result in a lawsuit that threatens everything you have built. General contractors need a layered insurance program that covers every phase of their operations — from bidding a job to final punch list.
We work with general contractors of all sizes, from solo operators to mid-size firms managing multiple crews. As an independent agency, we shop multiple carriers to find you the best rates and broadest coverage.
Key Coverages for Contractors
- General Liability - The foundation of any contractor policy. Covers third-party bodily injury, property damage, and completed operations claims. Most project owners and general contractors require a minimum of $1M per occurrence before awarding work.
- Workers Compensation - Covers medical expenses and lost wages for employees injured on the job. Required in virtually all states the moment you hire your first employee.
- Builders Risk - Covers buildings and structures under construction against fire, theft, vandalism, wind, and other covered perils. Required by most lenders and project owners.
- Commercial Auto - Covers trucks, vans, and other vehicles used for business — including hauling materials and equipment to job sites.
- Tools and Equipment - Protects owned tools, equipment, and machinery against theft and damage on and off the job site.
- Umbrella Liability - Provides additional liability limits above your general liability policy for large claims.
Certificate of Insurance Requests
We provide fast certificate of insurance turnaround so you can respond to project owner requests quickly and win more bids. Our team understands the urgency of COI requests and handles them promptly.
Frequently Asked Questions
Am I covered for subcontractor injuries on my site?
Your general liability typically covers bodily injury to third parties, including subcontractor employees in some cases, but subcontractors should carry their own insurance. We help you set up proper subcontractor insurance requirements to protect your business.
Do I need separate coverage for each project?
A general liability policy covers all your operations under one policy. Builders risk is typically purchased per project or on a blanket basis for active projects. We help you choose the most cost-effective approach.