If you’re a contractor, your insurance isn’t just a checkbox — it’s what keeps you working when something goes wrong.
We help contractors set up coverage that aligns with jobsite requirements, subcontractor exposure, tools/equipment, vehicles, and growth.

Whether you’re a one-truck operation or running multiple crews, we’ll simplify the options, spot gaps, and make sure your policy matches what you actually do day-to-day.

Insurance for contractors

Coverage For Way You Actually Work

What we help with

Common policies for contractors:

• General Liability (jobsites, property damage, injury claims)

• Workers’ Comp (employees, 1099 concerns, jobsite requirements)

• Commercial Auto (trucks, vans, trailers, hired/non-owned)

• Tools & Equipment (theft, transit, jobsite storage)

• Builders Risk (projects in progress / renovations)

• Umbrella Liability (extra protection above your base limits)

• Bonding (when required by a GC/municipality)

  Not every contractor needs every policy — the goal is the right mix for your trade and contracts.

Insurance for contractors

Coverage For Way You Actually Work

Trades we commonly work with

• Landscapers

• Painters

• Electricians

• Plumbers

• HVAC

• Concrete

Insurance for contractors

Coverage For Way You Actually Work

• Carpentry

• Roofing

• Drywall

• Flooring

• Remodeling

• Handyman

• Excavation

How it works

1. Quick call to understand your work (trade, jobs, subs, vehicles, payroll)

2. Coverage review + options (what’s required vs what’s smart)

3. We handle the details (quotes, certificates, updates as you grow)

Frequently asked questions

Do you provide Certificates of Insurance (COIs)?

Yes — and we can help make sure your COI matches what the contract actually requires.

I use subcontractors — does that change anything

Usually, yes. Subs can impact liability and workers’ comp requirements depending on how the job is structured.

Can you review my current policy?

Yes. A quick review can catch issues like misclassification, missing additional insured wording, or vehicle usage problems.

I’m a one-person operation — do I still need all this?

Not necessarily. Many solo contractors need a simpler setup, but requirements often come from clients, property managers, or GCs. We help you meet those requirements without over-insuring.

What is an audit and why do contractors get hit with big bills?

Many policies are based on estimates. At the end of the term, carriers audit payroll, subcontractors, and revenue. If things were misclassified or underreported, it can result in a large bill. Regular reviews help prevent surprises.