Contractors Insurance
Insurance Built for Contractors Who Build Everything Else
From general liability to same-day certificates of insurance, we shop 30+ carriers so your contracting business stays covered, compliant, and working — no matter your trade.
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(815) 691-1111Get covered fast — call now for a quote.
📞 Call Us Now or request a quote online →✓ 30+ Carriers Shopped ⭐ 5.0 Rating ✓ Serving the Midwest
The Risks Every Contractor Faces
Whatever you build, install, or repair — these are the exposures that can shut a job down or sink a business.
Job Site Injuries
One accident — yours or a client's — can mean a lawsuit that threatens everything you've built.
Property Damage
A cut pipe, a cracked slab, a fire from a stray spark — client property damage claims add up fast.
Stolen Tools & Equipment
Trucks and job sites get hit. Without coverage, replacing tools comes straight out of pocket.
Contract & COI Demands
No certificate, no job. GCs and property managers won't let you on site without proof of coverage.
Weather & Delays
Storms, floods, and site conditions can damage work-in-progress and push back your timeline.
Subcontractor Liability
Work you hand off can still come back on you if a sub isn't properly insured.
Coverage for Every Contracting Business
We build a policy around your trade — not a one-size-fits-all package.
Already covered but need proof for a job tomorrow? We issue certificates of insurance same-day.
General Liability
Bodily injury and property damage protection — the foundation every contractor needs.
Workers' Compensation
Covers medical costs and lost wages if a crew member is hurt on the job.
Commercial Auto
Protects work trucks and trailers on the road and between job sites.
Tools & Equipment
Inland marine coverage for tools and equipment in transit or on site.
Umbrella / Excess
Extra liability limits above your base policies for larger contracts.
Builder's Risk
Covers a structure and materials while a project is under construction.
Contractor Bonds
License and performance bonds required by many states and municipalities.
Errors & Omissions
Protects against claims of faulty workmanship or design mistakes.
Trades We Write
Whatever your trade, we build a policy around the risks you actually face.
We Shop 30+ Carriers For You
One application, multiple quotes — we find the best fit for your trade and your budget.
+ 25 more carriers shopped on every quote
Ready to see your options?
Compare My Rate →| Question | Answer |
|---|---|
| What insurance do I actually need as a contractor? | Most contractors need general liability at minimum — many contracts and permits require it. Depending on your trade and whether you have employees, you may also need workers’ compensation, commercial auto, and tools/equipment coverage. |
| Can you get me a certificate of insurance quickly? | In most cases, yes. Once your policy is bound, we can typically issue a certificate the same business day so you can meet a job site or permit deadline. |
| Do I need workers’ compensation if I don’t have employees? | If you’re a true sole proprietor with no employees, it’s often not legally required — but many general contractors and property managers won’t hire you without it, so it’s worth having anyway. |
| What does contractors insurance typically cost? | It depends on your trade, payroll, revenue, and coverage limits. Since every contracting business is different, the fastest way to get an accurate number is a quick call — (815) 691-1111. |
| Can I add a client or property owner as an additional insured? | Yes — this is a common requirement before starting a job. We can issue a certificate naming the client, general contractor, or property owner as additional insured. |
| Do you shop multiple carriers, or just sell one company’s policy? | We shop 30+ carriers to compare coverage and pricing for your specific trade, so you’re not stuck with whatever one company decides to offer. |
Get Started
Get Your Contractors Insurance Quote Today
Fast, free, and no obligation — we'll find the right coverage for your trade.
✓ 30+ Carriers Shopped ✓ Serving the Midwest