Contractor Insurance for Construction Jobs Big & Small
Built for Contractors, Subcontractors & Tradespeople
Contractor and construction insurance protects you on and off the job site—from property damage to tool theft, subcontractor mistakes, and general liability risks. Whether you’re a plumber in Englewood, a general contractor in Cheyenne, or a roofer with teams working across state lines, we offer custom coverage built around your projects, trades, and job site requirements. Our policies help you meet licensing and bid requirements while keeping your business covered every step of the way.
What Contractor Insurance Helps You Handle
Construction work involves real risk—and contractor insurance keeps you covered from job site liability to tools and equipment.
Meets Job Site & Contract Requirements
Policies often satisfy state and client requirements for bonding, liability, and subcontractor coverage.
Includes Tools, Equipment & Liability
Protect your gear from loss, theft, or damage—on site, in transit, or during storage.
Scales with Your Projects & Team Size
Whether you’re solo or managing multiple crews, we scale your coverage based on how and where you work.
Why Contractors Rely on Our Risk Management Expertise
We work with builders and tradespeople every day to craft policies that meet state rules and client expectations.
We make it easy for contractors to meet insurance requirements, manage job site risks, and grow their business.
Our Process for Contractor Insurance Done Right
We Review Your Trades, Projects & Coverage Gaps
We talk about what trades you work in, what tools or vehicles you use, and what liability risks you face.
We Shop Contractor Packages That Cover Your Needs
We pull quotes that include general liability, tools and equipment coverage, and job site protection.
We Bind Coverage & Provide Ongoing Support
We help you stay compliant with licensing, bond requirements, and policy updates as your business evolves.
Contractor Insurance FAQs You Should Know
What kind of insurance do contractors need?
Most contractors need general liability, tools and equipment coverage, and sometimes workers’ comp.
Is contractor insurance required for licensing or permits?
Yes, it’s often required by municipalities or project owners before work can begin or permits are issued.
What does contractor insurance cost on average?
Premiums vary by trade, location, number of employees, and the specific coverage needed.
Does contractor insurance cover employee injuries?
No, you’ll need a workers’ comp policy or endorsement to cover employee injuries on the job.