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Contractor insurance

Insurance built around the jobsite, not a generic policy.

Contractors get asked to prove, sign, and carry more than almost any other business: certificates, additional insured wording, bonds, workers comp, tools coverage, and the right limits for every job. We are independent, so we shop your coverage and build it around the work you actually do.

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Already know what you need? Get a quote. Want guidance first? Compare your coverage.

The real risk

The claim is rarely the surprise. The exclusion is.

A jobsite injury, a water loss, a faulty-work allegation, a contract that quietly required more than your policy carried. The damage usually comes from a gap nobody flagged, an additional insured endorsement that was never added, or a class code that was wrong all along. We build the program so the surprise does not happen.

By trade

Coverage shaped to how your trade actually works.

Every trade carries different risk, contracts, and class codes. Start with yours.

General Contractors & Remodelers

Subs, completed work, contracts, and COIs across whole projects.

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Electricians

Fire, faulty installation, code, tools, and vehicles.

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Plumbers

Water damage, completed operations, tools, and licensing.

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HVAC Contractors

Installation, refrigerant, rooftop work, and service calls.

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Roofers

Height and fall exposure, hot work, and tight exclusions.

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Landscapers

Equipment, trailers, seasonal payroll, and auto.

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Painters

Overspray, ladders, and property damage.

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Concrete & Masonry

Heavy materials, equipment, and structural risk.

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Handyman

Broad scope, excluded trades, and licensing.

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Excavation

Underground utilities, equipment, and pollution.

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Solar

Roof, electrical, and design exposure in one trade.

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Carpenters & Framers

Structural work, tools, and jobsite injury.

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Drywall

Property damage, dust, and crew exposure.

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Flooring

Installation errors, property damage, and adhesives.

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Welding

Hot work and fire risk, on site and mobile.

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Specialty Trades

Unusual operations, built to fit.

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Another trade? Tell us what you do
By coverage

The coverages a contractor actually needs.

General Liability

Injury, property damage, completed operations, and the AI wording contracts demand.

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Workers Compensation

Employee injury, class codes, audits, and subcontractor exposure.

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Commercial Auto

Trucks, vans, trailers, and hired and non-owned exposure.

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Tools & Equipment

Theft and damage to the gear that travels to every job.

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Contractors Equipment

Heavy and mobile equipment, owned, rented, and leased.

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Inland Marine

Tools, equipment, and materials in transit and off premises.

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Builders Risk

Property under construction, often lender-required.

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Installation Floater

Materials covered until the job is accepted.

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Umbrella

Excess limits your larger contracts require.

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Business Owners Policy

Property and liability bundled for smaller contractors.

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Errors & Omissions

Design, spec, and advice exposure GL misses.

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Pollution Liability

Environmental exposure general liability excludes.

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EPLI

Employment claims from your own crew.

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Cyber

Wire fraud, ransomware, and breach costs.

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Hired & Non-Owned Auto

Liability when the vehicle is not yours.

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Contractor Bonds

License, permit, and contract bonds explained.

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License & Permit Bonds

The compliance bonds licensing requires.

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Surety Bonds

Bid, performance, and payment bonds for jobs.

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When contractors call us

Certificates, contracts, audits, and bonds.

Most of what contractors need is not a quote. It is a clear answer at a moment that matters.

Contractor Coverage Review

A second opinion on whether your policy meets the contract and the real exposure.

How it works →

Certificate of Insurance & Additional Insured

A client or GC asked for a COI or additional insured status. Start here.

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Contract Insurance Review

Send us the insurance exhibit and we will check it against your coverage before you sign.

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Licensing, Bonds & Compliance

Licensing, license and permit bonds, workers comp rules, and subcontractor risk.

How it works →
Bonds online

Need a bond? Get one in minutes.

License, permit, and many contract bonds can be quoted and bound online through our bond tool. Quick when you need proof for a license or a job.

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By state

Rules change at the state line.

Licensing, bonds, and workers comp vary by state. Pick yours for a plain-language overview with the official sources to verify it.

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Learn

Guides, answers, and a glossary, in plain language.

The contractor Learning Center covers liability, audits, certificates, bonds, and subcontractors, written and reviewed by a real advisor.

Contractor Learning Center

Guides and straight answers, organized by topic.

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The Complete Guide

The whole insurance stack, start to finish.

Read →

Contractor Glossary

Additional insured, waivers, XCU, bonds, defined.

Look it up →
Compare your coverage

Does your policy actually meet the contract?

Tell us about the work, the crews, the vehicles, and the contracts, and we will check your limits, endorsements, and class codes against the jobs you are bidding. No pressure, no obligation.

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We match limits and endorsements to your contracts
We check class codes before the audit does
We line up COIs, additional insured, and waivers
You get a clear read, no obligation
Why contractors work with us

We speak contract, COI, and class code.

Independent means your interests come first. We translate what a job requires into coverage that actually delivers it, and we are there when a claim or an audit happens.

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Independent, contractor-first

Find out what a job, a claim, or an audit would expose.

Tell us about the trade and the contracts you sign and we will give you a straight read on the gaps, the endorsements, and the limits. No pressure, no obligation.

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