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.
✓ 30+ Carriers Shopped ⭐ 5.0 Rating (70+ Reviews) ✓ 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 →Frequently Asked Questions
Do I need general liability insurance as a contractor?
Most states and nearly all GCs and property managers require it before you can step on a job site. Even where it's not legally required, it protects you from claims that could otherwise come straight out of pocket.
How fast can I get a certificate of insurance?
Same-day, in most cases. Once you're bound with a carrier, we can issue a COI the same business day so you're never held up starting a job.
What's the difference between general liability and workers' comp?
General liability covers third-party injuries and property damage. Workers' comp covers your own employees' medical costs and lost wages if they're hurt on the job — most states require it once you have employees.
Do subcontractors need their own insurance?
Yes — and you should collect a certificate of insurance from every sub before they start work. If a sub isn't properly insured, their claims can end up coming back on your policy.
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