General Contractor Insurance

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Why do general contractors need insurance in Massachusetts?

Construction is one of the biggest industries in The Bay State. There are just over 58,000 sole traders working in the industry, many of whom are registered as general contractors. Contractor insurance for Massachusetts tradespeople helps protect many of these small businesses.

Construction sites are often dangerous places to work. A simple accident could create an expensive liability issue for your small businesses, whether you work on residential or commercial projects. Contractor insurance for Massachusetts businesses helps prevent mishaps, unexpected delays, or other common issues from destroying your hard work.

Contractor insurance is shorthand for the different types of coverage that a general contractor may consider, such as:

  • General Liability
  • Business Owner’s Policy
  • Workers’ Compensation

Learn about contractor insurance in Massachusetts and how BizInsure can help you find the best coverage for your business needs.

Who needs contractor insurance in Massachusetts?

Many contractors buy insurance policies to help protect their business and personal finances. The coverage provided by General Liability and other types of insurance can create a critical safety net for you and your business.

Some types of coverage may be required to work with specific clients (a requirement that is often written into business contracts). In Massachusetts, Workers’ Compensation insurance is mandatory for most businesses with one or more employees.

Select your occupation below to learn more about your insurance options and start a customized quote insurance quote.

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Common business insurance policies for contractors in Massachusetts

There are several types of contractor insurance that Massachusetts tradespeople often consider. These policies could help you manage common risks that general contractors face on the job.

General Liability

Anything can happen on a construction site. An innocent action—like leaving your toolbox in the wrong place—could result in a huge headache for your business if someone is hurt because of what you’ve done.

General Liability insurance (also referred to as Commercial General Liability, CGL, or “slip and fall coverage”) can protect your business against bodily injury or property damage lawsuits from outside parties.

General Liability insurance for Massachusetts contractors helps shield your bank accounts by paying your legal bills if someone alleges that your actions caused them injury or damaged their property. It can also pay to fix the situation (up to the policy limits) by covering medical bills, repair costs, or replacement costs.

Business Owner’s Policy

Things don’t always go to plan when you work in the construction industry. Project interruptions, broken tools, and other hiccups could make it hard to complete your work as promised.

A Business Owner’s Policy (BOP) combines several types of coverage, such as General Liability insurance and business personal property coverage, into a single policy to help protect small businesses from costly interruptions to service.

Your BOP can be customized to include coverage options that fit your business needs. This can be a convenient and affordable way to shield yourself against many common risks that general contractors face.

Workers’ Compensation

If you rely on employees to help run your business, it is your responsibility to look after their health and wellbeing while they are at work.

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

General contractor requirements in Massachusetts include mandatory Workers’ Compensation coverage if you have employees. This law applies no matter how many hours an employee works in a day.

What does contractors’ insurance cover in Massachusetts?

Contractors’ insurance can help cover your business for many different types of risks. Depending on the types of coverage you select, you may be covered for events such as:

  • Third-party injury and property damage claims (General Liability insurance for Massachusetts contractors)
  • Unexpected business interruptions (Business Owner’s Policy)
  • Equipment breakdown (Business Owner’s Policy)
  • Employee workplace injuries and illnesses (Workers’ Compensation)

How much does MA contractors’ insurance cost?

If you’re starting a contracting business, you may have no idea how much contractor insurance in Massachusetts costs.

Business insurance prices vary because insurers take many factors into consideration when determining each business’ premium. The cost to your business may depend on things such as:

  • The type of insurance you want
  • The size of your business (annual revenue)
  • How many people will be covered by the policy
  • Your claims history
  • The amount of coverage you choose

How to get general contractor business insurance in Massachusetts

Protecting your contracting business is easy with BizInsure.

In as little as 10 minutes, you can compare multiple quotes and choose the coverage that fits your needs and budget. You’ll be covered instantly, with policy documents delivered straight to your inbox.

Need some help? Our licensed agents are happy to help at any stage along the way!

Compare multiple quotes today and find the best coverage for your Massachusetts general contractor business.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice.
The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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