Business Insurance for Contractors

Compare multiple quotes from providers with one application.

Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
عالی
alireza J.
1706727364
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
1701380391
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Terry
1701319042
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
1700848536
Always and easy process. Thanks!
Gerald S.
1700244544
Renewal was quick and easy online
Angelita K.
1699752900
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
1699032636
Easy to submit an application and to get quotes
Simone S.
1698775217
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
1698407456
Excellent
advanced U.
1697824466
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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

Compare multiple quotes from providers with one application.
Get quotes

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

Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
عالی
alireza J.
1706727364
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
1701380391
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Terry
1701319042
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
1700848536
Always and easy process. Thanks!
Gerald S.
1700244544
Renewal was quick and easy online
Angelita K.
1699752900
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
1699032636
Easy to submit an application and to get quotes
Simone S.
1698775217
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
1698407456
Excellent
advanced U.
1697824466
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Google Rating
4.7
Based on 244 reviews
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