Insurance for Contractors
Tailored for contractors and skilled trades
General Liability insurance up to $1 million / $3 million
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Save Money
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Instant Coverage
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What does contractor insurance cover?
Contractors insurance is designed to cover the legal costs, settlements, and damages associated to claims made against you on the job.
It can cover injury or property damage caused during your work, coverage for stolen or damaged tools and equipment.
Contractor insurance can protect you for.
- Third-party injury or property damage
- Claims associated to your workmanship
- Tools and equipment loss
- Legal defense fees and settlement costs
With BizInsure, you can compare quotes from multiple top-rated carriers and get coverage tailored to your specific trade in minutes.
Why do contractors need insurance?
Contracting work involves real, physical risk unlike the most office-based businesses. Every job site is different, and even the most careful contractors can end up dealing with an accident that damages a client’s property, injures someone nearby.
Whether you’re rewiring a kitchen, replacing a tile, or renovating a bathroom, you’re operating inside someone else’s home or business, surrounded by their belongings and structure. Even when a job is done to code and to a reasonable standard, a client may later claim the work was faulty, incomplete, or caused damage.
| Risk scenarios | Cover benefits |
|---|---|
| Property damage While installing new flooring, you accidentally damage a client’s existing cabinetry | General Liability covers third-party property damage caused during the course of your work |
| Faulty workmanship A client claims a plumbing repair you completed months ago caused a leak that damaged their ceiling | General Liability / Completed Operations covers claims arising from work after the job is finished |
| Loss of tools Your tools are stolen from your truck overnight before a big job | Business Owner Polic (BOP) covers the cost of repairing or replacing stolen or damaged tools |
| Employee injury An employee falls off a ladder and is injured while working on-site. | Workers’ Compensation — covers medical costs and lost wages for employees injured on the job. |
| Contractual requirements A general contractor requires proof of insurance before allowing you to work on their site | General Liability Certificate of Insurance provides proof of coverage required to secure contracts |
What types of insurance do general contractors need?
General contractors typically need a broader mix of coverage. The types of insurance depends on size of the projects you take on and what your clients require before signing off on work. We offer a broad range of insurance solutions to general contractors across US.
General Liability insurance
General Liability Insurance covers your business if a third-party is injured, or their property is damaged, a of your business activities or services. It covers legal costs compensation costs. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability insurance, also known as Errors & Omissions insurance protects you against claims of negligence, misrepresentation or mistake, resulting in financial loss to a third party. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Who needs general contractor Insurance?
BizInsure provides tailored coverage for a broad range of trades, whether you’re a solo contractor or run a business with employees.
Plumbers
HVAC Technicials
Construction Managers
Plasterers
How much does contractor insurance cost?
How much does contractors insurance cost?
The cost of contractors insurance depends on the type of trade you’re in, the size and scope of the jobs you take on.
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Employees
Claims History
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get coverage that grows with your business
With BizInsure you can choose your limits as your business evolves.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Employees
Claims History
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get coverage that grows with your business
With BizInsure you can choose your limits as your business evolves.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Frequently asked questions
General Liability covers third-party injury or property damage caused by your work. Workers’ Compensation covers medical costs and lost wages for your own employees if they’re injured on the job. Most contractors with staff need both.
Many General Liability policies include Completed Operations coverage, which can help with claims that arise after you’ve left the job site, such as a leak discovered weeks after a repair.
Many general contractors and developers require subcontractors to provide a Certificate of Insurance before starting work on a project.
Tools & Equipment coverage can be added to help cover the cost of repairing or replacing tools that are stolen, lost, or damaged, whether on the job site or in transit.
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