Business Insurance for Contractors

Compare multiple quotes from providers with one application.

BizInsure LLC
Excellent
4.7
Based on 285 reviews
review us on
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Quick and easy....
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Very satisfied with the online experience
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
Love it
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
The agent was quick and efficient in generating a quote for my needs.
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Our clients say: Excellent
4.7/5

Who needs General Liability insurance?

Independent contractors of all types, including subcontractors and tradesmen, may benefit from the protection that General Liability coverage provides. In fact, it may be required by some clients or employers that you work with.

Choose your professions for more information or get a customized quote for your business.

Can’t find your occupation? Click here to see more >

Fast, Simple and Convenient

We believe insurance should reduce the stress that comes with operating a business, rather than adding to it.
Take advantage of our smart online platform for peace of mind in minutes.

  • Competitive insurance prices from A+ rated insurer
  • Online quotes, no paperwork. Your policy will be emailed instantly
  • Over 25,000 small businesses in U.S. have used BizInsure
  • Switch and save on your insurance
Fast, Simple and Convenient

Why do contractors need General Liability insurance?

General Liability insurance can protect you against third-party claims regarding injury or damage to their property.
A policy covers your legal expenses stemming from these types of claims, as well as your cost to replace or remedy the situation, up to the limits of liability. General Liability insurance may also be referred to as Commercial General Liability (CGL) or “slip and fall” coverage.

Importantly, General Liability insurance can help protect whether you are at fault or not.

Even a claim or lawsuit that is without merit can be expensive for contractors to defend against. Your General Liability policy can help pay attorney’s fees and other court costs.

General Liability insurance Learn more >

What does Contractor General Liability insurance cover?

A contractor General Liability insurance policy generally covers events, such as:

Damaging a third
party’s property

Third-party bodily injury

Advertising injury

Product liability claims

If a client or other third party makes a claim against you, General Liability insurance will help you cover the costs associated with compensating them for their loss. This includes medical payments for bodily injuries and compensation for property damage and advertising harm.

How much does General Liability
insurance cost?

Your insurance needs will likely differ from other contractors or tradesmen working in your area. Insurance companies use a range of factors to calculate your premiums, meaning that you may pay a different amount for General Liability insurance than others in your industry.

Some of the factors used to calculate General Liability premiums may include:

  • What type of work you do
  • Your experience and qualifications
  • The state, city, or geographic region where you work
  • The size and state of your business premises
  • How many employees you have
  • The amount of coverage you want or need
  • Your history of past claims

Receiving quotes from multiple insurers can help you form a better idea of how much General Liability insurance will cost for your small business. BizInsure can help you quickly compare policies to find options that may work for you.

Handyman Insurance Cost

Business Insurance for Contractors

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Frequently Asked Questions

What kind of insurance should a contractor have?

As a contractor, you may consider General Liability insurance to help protect you against common on-the-job risks that you might face. This includes events, such as damaging a client’s property, if a vendor injures themselves on your premises, or an employee making unflattering comments about a client. General Liability insurance for contractors can help you compensate clients for their losses.

Contractors may also consider additional forms of coverage to help protect them against other common risks. Tools Coverage is one type of insurance that many contractors decide to purchase to help replace damaged or stolen tools. In some states, Worker’s Compensation insurance may be required for sole proprietors working in the construction industry, as well as for small businesses with employees.

Are contractors required to have insurance?

Certain types of business insurance may be required by law in some states. Please visit your state or local government website to learn more about the insurance requirements in your area for contractors and tradesmen.

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, potentially leaving you with substantial debts or forcing you to close your business.

General Liability insurance for contractors can help remove this burden and protect your small business financially.

Clients may require that you have a policy to work for them. This is often included in business contracts, and you might be asked to provide proof of your insurance before work begins.

Do contractors need General Liability insurance to lease commercial space?

General Liability insurance may be a requirement to lease commercial space, such as an office or warehouse. This helps the landlord reduce their own liability and insurance costs.

Your commercial landlord may ask for proof that you are insured before signing a lease. This is typically done by supplying them with a certificate of insurance, which you can get from your insurer. The landlord might also follow up annually or before renewing you lease to check that you are still adequately covered.

What is the difference between a policy holder, certificate holder, and an additional insured?

The policy holder is the individual contractor or business who has purchased the insurance policy. Their name appears on the policy, and they are also known as the “named insured” or simply as the “insured”.

A certificate holder receives the Certificate of Insurance (COI) as proof that the insured is has proper coverage. COIs do not allow the certificate holder to make a claim on a policy. They are solely used to show that coverage is in place at that moment. A certificate holder may follow up for renewal COIs to check that the insured still has adequate coverage.

An additional insured is a contractor or business that is added to the insurance policy by the insured. They are covered by the policy and can make a claim on it, if needed.

How to get General Liability insurance for Contractors?

We make it simple to find, compare, and buy business insurance. You’ll even receive proof of insurance instantly—so you can get back to work for your clients.

Get a quote online or call BizInsure today to receive quotes for contractor General Liability insurance.

Our clients say: Excellent
Rated 4.5/5

Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Quick and easy....
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Very satisfied with the online experience
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
Love it
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
The agent was quick and efficient in generating a quote for my needs.
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Google Rating
4.7
Based on 285 reviews
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