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.
Already know what you need? Get a quote. Want guidance first? Compare your coverage.
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.
Your license and your insurance classification measure two different things, and the gap is where surprise audit bills and denied claims live. Take the two-minute self-assessment, then get classified on what you actually do.
Every trade carries different risk, contracts, and class codes. Start with yours.
Subs, completed work, contracts, and COIs across whole projects.
See the trade →Fire, faulty installation, code, tools, and vehicles.
See the trade →Water damage, completed operations, tools, and licensing.
See the trade →Installation, refrigerant, rooftop work, and service calls.
See the trade →Height and fall exposure, hot work, and tight exclusions.
See the trade →Equipment, trailers, seasonal payroll, and auto.
See the trade →Overspray, ladders, and property damage.
See the trade →Heavy materials, equipment, and structural risk.
See the trade →Broad scope, excluded trades, and licensing.
See the trade →Underground utilities, equipment, and pollution.
See the trade →Roof, electrical, and design exposure in one trade.
See the trade →Structural work, tools, and jobsite injury.
See the trade →Property damage, dust, and crew exposure.
See the trade →Installation errors, property damage, and adhesives.
See the trade →Hot work and fire risk, on site and mobile.
See the trade →Unusual operations, built to fit.
See the trade →Injury, property damage, completed operations, and the AI wording contracts demand.
Learn more →Employee injury, class codes, audits, and subcontractor exposure.
Learn more →Trucks, vans, trailers, and hired and non-owned exposure.
Learn more →Theft and damage to the gear that travels to every job.
Learn more →Heavy and mobile equipment, owned, rented, and leased.
Learn more →Tools, equipment, and materials in transit and off premises.
Learn more →Property under construction, often lender-required.
Learn more →Materials covered until the job is accepted.
Learn more →Excess limits your larger contracts require.
Learn more →Property and liability bundled for smaller contractors.
Learn more →Design, spec, and advice exposure GL misses.
Learn more →Environmental exposure general liability excludes.
Learn more →Employment claims from your own crew.
Learn more →Wire fraud, ransomware, and breach costs.
Learn more →Liability when the vehicle is not yours.
Learn more →License, permit, and contract bonds explained.
Learn more →The compliance bonds licensing requires.
Learn more →Bid, performance, and payment bonds for jobs.
Learn more →Most of what contractors need is not a quote. It is a clear answer at a moment that matters.
A second opinion on whether your policy meets the contract and the real exposure.
How it works →A client or GC asked for a COI or additional insured status. Start here.
How it works →Send us the insurance exhibit and we will check it against your coverage before you sign.
How it works →Licensing, license and permit bonds, workers comp rules, and subcontractor risk.
How it works →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.
Restoration carries exposures a standard contractor policy excludes, pollution, mold, care-custody-control, and professional. We built a full restoration program and Learning Center around them.
Landscaping has its own money angles, the workers comp class code that overcharges most operators, equipment theft, chemical drift, and snow. We built a full landscaping program and Learning Center around them.
Licensing, bonds, and workers comp vary by state. Pick yours for a plain-language overview with the official sources to verify it.
The contractor Learning Center covers liability, audits, certificates, bonds, and subcontractors, written and reviewed by a real advisor.
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.
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.
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.
5 out of 5 starsEugene, OR
Richard is fantastic. We just purchased commercial general liability with his help. He answered all my questions promptly and catered all my requests. He was easy to get a hold of on the phone and also via email. What a great experience from this agency. 10/10 highly recommend for all your insurance needs.View on Google (opens Google Maps in a new tab) →
5 out of 5 starsEugene, OR
I was referred to Richard through the dive community. He has been a pleasure to work with to obtain policies for our carpentry and charter businesses. Thank you!View on Google (opens Google Maps in a new tab) →
General education, not a coverage determination. A licensed advisor confirms your policy.