Contractor insurance coverage
Coverage for liability claims, employee injuries, business vehicles, equipment, and project requirements.
General liability
General liability helps protect your business when someone claims your work injured them or damaged their property. Here is how it works on a job, what its limits mean and why a customer may ask for more than a certificate.
Workers’ compensation
Workers’ compensation helps pay medical care and other required benefits when an employee is injured or becomes ill because of work. Your crew’s duties, payroll and claims history help determine its cost.
Commercial auto
Commercial auto insurance addresses accidents involving vehicles used by your business. Liability protects against covered claims from others, while optional physical damage coverage protects the vehicles themselves.
Tools & equipment
Tools and equipment insurance can help replace covered property that is stolen or damaged at a job, in transit or in storage. It is often called inland marine, even though your work has nothing to do with water.
Surety bonds
A surety bond is a promise backing a specified obligation, such as following contractor licensing rules or finishing a contract. The bond amount is not the price you pay, and a bond serves a different purpose from liability insurance.
Builders risk
Builders risk is property insurance for a building or project while it is being built or renovated. It can address covered damage to the project itself, while general liability addresses covered claims for harm to others.
Umbrella & excess
Umbrella and excess liability can add another layer of money for covered liability claims after specified primary limits are used. The policies underneath and the higher layer need to work together.
Professional liability
Professional liability addresses claims that an error in your design, advice or other covered professional service caused a loss. It is also called errors and omissions insurance, often shortened to E&O.
Business owners policy
A business owners policy, or BOP, combines selected property and general liability coverage in one package for eligible businesses. It can be useful for a contractor with an office or shop, but the work performed away from that location still matters.
Owner-only workers’ comp
Two separate questions matter for a business with no employees: must it carry a workers’ compensation policy, and will that policy cover an owner’s own injury? The answer to one does not settle the other.
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