Premium Protection
Highest available A++ financial rating backing your coverage with comprehensive general liability protection for all contractor types.
Products/Completed Ops
Full Products and Completed Operations coverage included - protecting you from claims after your work is finished and delivered.
Tools & Equipment
Optional tool coverage up to $10,000 protecting your valuable equipment from theft, damage, and loss on job sites.
Instant Binding
Quote, compare, and bind your coverage online instantly. No waiting for callbacks - get your certificate of insurance immediately.
Why Choose Specialized Contractor Coverage?
Basic business insurance often excludes the specific risks contractors face daily. Our specialized coverage addresses your real exposures.
Basic Business Insurance
- No Products/Completed Operations
- High deductibles ($5K-$10K)
- Limited trade coverage
- No tool protection options
- Restrictive loss history requirements
- Slow quote and binding process
Our Contractor-Specific Coverage
- Products/Completed Ops included
- Low $1K deductible ($2K roofing)
- 80+ contractor classes covered
- Optional $10K tool coverage
- Flexible loss history (up to $5K)
- Instant online quotes & binding
Contractor Insurance Complete Guide
What is Contractor General Liability Insurance?
Contractor general liability insurance protects construction professionals, tradespeople, and service contractors from third-party claims for bodily injury, property damage, and personal injury that occur during business operations.
Why Do Contractors Need Specialized Coverage?
- Products/Completed Operations: Protection from claims after your work is finished and you've left the job site
- Job Site Risks: Construction sites present unique hazards that require specialized coverage
- Client Requirements: Most clients require proof of insurance with specific limits before work begins
- Licensing Requirements: Many states require contractors to carry general liability insurance to maintain licenses
Who Needs Contractor Insurance?
- Traditional Contractors: Carpenters, plumbers, electricians, HVAC technicians
- Specialty Trades: Roofing, siding, drywall, flooring, painting, landscaping
- Service Contractors: Janitorial, cleaning, handyperson services
- Emerging Trades: Solar energy installers, communication equipment installers
- Subcontractors: 100% subcontractor acceptance with cross-state work coverage
Coverage Limits and Options
Coverage ranges from $100K to $1M per occurrence with aggregate limits from $100K to $2M. Additional options include tool coverage up to $10K, defense outside limits, and competitive monthly payment plans starting as low as $300-$500 annually for qualifying trades.
Geographic Coverage
Our contractor insurance is available in 42 states with comprehensive coverage options. Even new businesses without prior insurance history can qualify for immediate coverage.