Business insurance
for contractors
General liability, workers' compensation, commercial auto, umbrella and builder's risk coverage for contractors and the trades.
- 01Coverage for general contractors, subcontractors and specialty trades
- 02Certificates of insurance for your clients and general contractors
- 03Quotes prepared ahead of your policy's renewal date
Insurance coverage for contractors
The policies contractors are most often required to carry by clients, general contractors, lenders and the state.
General liability
Claims of bodily injury and property damage to others arising from your work.
Learn more →Commercial umbrella
Higher liability limits above your general liability, auto and employer's liability.
Learn more →Builder's risk
The building or structure while it is under construction, including materials on site.
Learn more →Contractors we insure
Insurance for community associations
Coverage for condominium associations, homeowners' associations and the property management firms that serve them.
Master policy
Property and liability coverage for the buildings and common areas the association insures, as defined in its governing documents.
Directors and officers
Coverage for board members and officers against claims arising from their decisions.
Crime and fidelity
Coverage for association funds against theft and employee or manager dishonesty.
Umbrella
Additional liability limits above the master policy and other liability policies.
Getting a quote
Tell us about your business
Your trade, where you work, and the coverage you need. If you know your renewal date, include it.
We review your options
We prepare quotes based on your operations, payroll and vehicles, and go over them with you.
Choose your coverage
Pick the coverage that fits your work and your contracts. Certificates are issued once your policy is in force.
What insurance does a contractor need?
Most contractors carry general liability. Workers' compensation is required in most states once you have employees, and commercial auto covers the vehicles your business uses. Clients and general contractors often set minimum limits in their contracts.
How much general liability do contractors need?
The amount is usually set by your contracts. Clients and general contractors commonly ask for $1,000,000 per occurrence and $2,000,000 in the aggregate. Higher requirements are usually met with an umbrella policy.
Is workers' compensation required?
Each state sets its own rules. Most states require it once you have employees, and some apply stricter rules to construction.
What is a certificate of insurance?
A one-page document that shows the policies you carry, their limits and their dates. Clients and general contractors usually ask for one before work begins.
When should I request a quote?
Ideally 30 to 60 days before your current policy renews. That leaves time to review options before the renewal date.
Request a quote
Tell us about your business and the coverage you need. We will follow up to complete your quote.