Insurance for General Contractors
Covers third-party injury or property damage on the job
Often required by client contracts
Add clients as additional insured
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Save Money
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Instant Coverage
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What does contractor insurance cover?
Contractor insurance helps protect general contractors, subcontractors, and other tradespeople from the cost of risks associated with providing building, maintenance, and repair services. Typical risks include:
- Damaging a third party’s property
- Third-party bodily injury
- Product liability claims
- Loss or damage of your tools and equipment
BizInsure offers contractors fast, simple, and convenient insurance options. Get instant coverage online in minutes from A+ rated insurance partners.
Why do contractors need insurance?
Contractors may need General Liability insurance to obtain certain trades licenses in some states. It may also be required to access worksites or work with specific clients or employers.
Even if General Liability insurance is not required for contractors in your state, it may still be wise to have a policy. Without it, you will be responsible for providing compensation to clients if a claim is made against you. This can be expensive, even if the claim is without merit. General Liability insurance can help pay attorney’s fees and other court costs, so you’re not left paying from your own pocket.
Who needs general contractor liability insurance?
Independent contractors of all types, including subcontractors and tradespeople can benefit from General Liability coverage. Some customers or employers that you work with usually require proof of liability contractor insurance.
General Contractors
Construction Contractors
Construction Managers
Painters Electricians
Electricians
Plasterers
Plumbers
Handymen
What types of insurance do home care providers need?
BizInsure offers Professional + General Liability Package made specifically for home care businesses.
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.
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How much does general contractor insurance cost?
he cost of general contractor insurance depends on the size and scope of your projects, the number of subcontractors and employees you manage, your claims history, and the coverage limits.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
With BizInsure, you can get custom-tailored coverage levels to suit sole proprietors or growing contracting businesses with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible cover to match your needs
BizCover offers policy options to suit growing businesses, from sole traders to those with higher capacity.
Choose Professional Indemnity up to $10 million, Public Liability up to $20 million, and Cyber Liability up to $2 million.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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