Protect Your Construction Business for Less
Safeguard your job sites, machinery, and crew with specialized contractor policies. Compare top commercial insurance carriers side-by-side to get full protection on and off the job.
Why You Need Dedicated Commercial Coverage
Contracting operations face daily jobsite hazards, strict municipal bonding requirements, and complex subcontractor exposures. Standard business policies often lack required completed operations limits or equipment transit riders.
Our independent agents build tailored commercial protection programs that keep your permits active, satisfy general contractor requirements, and keep your jobs moving forward smoothly.
Essential Contractor Coverage Options
Explore specialized protection options built specifically for trade specialists, remodelers, and general contractors.
General Liability
Protects your business against third-party bodily injury, property damage claims, and completed operations exposures on active job sites.
Workers’ Compensation
Mandatory statutory protection providing medical coverage and lost wage reimbursement for your field crews and site employees.
Tools & Heavy Equipment
Inland marine protection covering high-value machinery, excavators, hand tools, and materials in transit or stored on site.
Commercial Fleets
Customized commercial auto policies for work trucks, dump trucks, vans, and flatbeds with attached tool coverage options.
Builders Risk Insurance
Covers ground-up construction structures, major renovations, and uninstalled materials against fire, theft, and severe weather.
Surety & License Bonds
Fast issuance of bid, performance, payment, and state licensing bonds required for commercial bids and city permit compliance.
Contractor Trades We Cover
We place coverage across standard commercial carrier markets for a broad range of trade classifications.
Frequently Asked Questions
How fast can I get a Certificate of Insurance (COI)?
Once your policy is actively bound with the carrier, our account specialists work to issue standard certificates and required endorsements promptly so you can meet contract deadlines and get on the job site without delay.
Which insurance companies will you compare for my quote?
We work directly with top standard commercial markets such as Progressive Commercial, Travelers, CNA, Liberty Mutual, The Hartford, GEICO Commercial, Forge, and Chubb to find competitive terms for your trade and payroll size.
Do I need Workers’ Comp if I only hire 1099 subcontractors?
In most states, if an independent subcontractor lacks active Workers’ Comp coverage, statutory regulations will treat them as your employee in the event of an injury. Maintaining active COIs on file for every subcontractor is necessary to prevent severe premium audit adjustments.
Ready to Protect Your Construction Business?
Fill out our quick form above to compare personalized contractor insurance options today.