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Contractor Insurance: Who Needs It & What It Costs

Contractors' general liability insurance starts as low as $48.71 a month*

*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on July-September 2023 data of 10% of total SimplyBusiness policies sold.

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  • Contractor insurance is typically made up of a combination of several types of business insurance, such as general liability insurance, E&O, and workers’ compensation.
  • The specific type of coverage you need depends on the type of contractor you are and the size of the operation and the risks you face.
  • Professional contract workers offering advice-based services should consider E&O insurance, for example, whereas construction contractors should consider inland marine.
  • You may able to find insurance providers tailored to your industry, such as insurance providers focused only on construction trades or health and wellness trades.
  • The cost of contractor insurance also depends on various factors, including your location, the number of employees you have, and the equipment you use.
  • To cut down on the research process, we recommend using our online tool to get matched to a the right type of insurance plans for your business.

Contractor insurance is an essential part of any contracting business. It protects against financial losses due to accidents, liabilities, or damage to property that may occur as a result of your operations. The best contractor insurance can be purchased easily online and covers a wide range of risks based on your specific risks, with reasonable premiums and deductible costs.

Our top picks for contractor insurance

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Markel Insurance

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AMB Financial Strength
A (Excellent)
Specialized for:
General Liability

Why We Like It

Markel Insurance Company is a nationwide insurance provider with over 70 years of experience. It offers General Liability coverage for niche small businesses including contractors and other professional services. Markel is known for its exceptional customer service and its overarching customer-first company policy which prioritizes offering good guidance ahead of selling policies. Markel has also set a robust goal of becoming the premier claims-handling organization in its industry. As such, it works to maintain the highest ethical standards and offer fair and equitable claims services to all customers. This makes it an ideal partner for insured parties.

Coverage Highlights

With General Liability through Markel, you can gain access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical expenses
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsements (optional)

Frank Winston Crum Insurance

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability

Why We Like It

Frank Winston Crum Insurance Company specializes in providing expansive General Liability coverage at competitive prices for contractors and other construction-related businesses.

More notably, Frank Winston Crum is an admitted program which means it has met the regulations set by the state Department of Insurance.

This is great for insured parties as it means that if the insurer were to fail, the state would intervene and pay claims on its behalf. However, the chances of failure are slim given its A- financial rating from AM Best. Another highlight to mention is that its coverage automatically includes features that are typically add-ons with most other plans.

Coverage Highlights

With General Liability through Frank Winston Crum, you can gain access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $300k in coverage for damage to rented premises
  • $10k in coverage for medical payments
  • Waiver of Subrogation (automatically included)
  • Blanket Additional Insured endorsements (automatically included)

ABIC Insurance

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AMB Financial Strength
A (Excellent)
Specialized for:
General Liability

Why We Like It

ABIC-RRG is short for American Builders Insurance Company. As the name sounds, ABIC specializes in plans for:

  • general contractors
  • artisans
  • handymen
  • electricians
  • and other trades in the building and construction sector.

Given the company’s niche experience, it is a great option for small businesses in the construction industry. ABIC offers expansive General Liability coverage and has skilled agents who will evaluate every insurance account based on the needs of the individual business.

Coverage Highlights

With General Liability through ABIC, you can gain access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsements (optional)

Clear Blue Insurance

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability

Why We Like It

If you need specialized General Liability insurance with a professional claims team to meet your contracting needs, Clear Blue is a solid choice. Clear Blue General Liability Insurance is specifically tailored for the construction industry with add-on options to help minimize your risks.

Clear Blue covers a wide range of contracting trades across the US but, with its headquarters in Charlotte, NC, mostly specializes in covering contractors in the Southeastern states.

It’s backed by the larger Frank Winston Crum group and has an excellent AM Best financial strength rating of A- VIII. This backing also makes them an admitted program which means it has met the regulations set by the state Department of Insurance (DOI). This is great for insured parties as it means that if the company were to fail, the state would intervene and pay claims.

Coverage Highlights

Contractors opting for General Liability through Clear Blue Insurance gain access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $300k in coverage for damage to rented premises
  • $10k in coverage for medical payments
  • Waiver of Subrogation (automatically included)
  • Blanket Additional Insured endorsements (automatically included)

Harborway Insurance

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AMB Financial Strength
A+ Superior)
Specialized for:
General Liability, Inland Marine

Why We Like It

Harborway is a lesser-known provider that offers specialized coverage for:

  • General liability insurance
  • Business personal property insurance
  • Inland marine insurance

This provider offers great coverage for equipment and items you transport or store off-premises makng is great for companies that send employees to work off-site or occaisionally do field work.

While Harborway isn’t an AM Best rated company, it is reinsured by Munich Re which has an AM Best financial strength rating of A+.

Coverage Highlights

General Liability Coverage through Harborway offers access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights for General Liability include:

  • $100k in coverage for damage to rented premises;
  • $5k in coverage for medical payments;
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsement (automatically included)
  • Contractors’ Errors & Omissions endorsements (optional)

Business Personal Property Coverage through Harborway offers access to: *Property limits of $5k, $10k, $15k, $20k, $25k, and $50k *Blanket Additional Insured endorsement (automatically included)

Inland Marine Coverage through Harborway offers access to:

  • $5k or $10k coverage limits on inland marine property
  • Blanket Additional Insured endorsement (automatically included)

Hiscox Insurance

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AMB Financial Strength
A (Excellent)
Specialized for:
General Liability, Professional Liability, Business Personal Property

Why We Like It

Hiscox is one of the largest insurance providers in the US and operates in all 50 states. It offers serval types of coverage options to suit your needs including:

  • General liability insurance
  • Professional liability insurance
  • Business personal property insurance (add-on)

Hiscox specializes in insurance for small and micro-businesses and its robust coverage options are available for tons of business types & trades. Hiscox also has over 120 years of experience behind its name as part of the original Lloyds group from 1901. This long track record speaks volumes for how trustworthy Hiscox is.

Coverage Highlights

General Liability Coverage through Hiscox offers your choice of access to:

  • $1 million occurrence limit & $2 million aggregate limit
  • $2 million occurrence limit & $3 million aggregate limit

Other coverage highlights for General Liability include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments
  • Blanket Additional Insured endorsement (automatically included)
  • Waiver of Subrogation endorsement (optional)

Professional Liability Coverage through Hiscox offers your choice of access to:

  • $1 million occurrence limit & $1 million aggregate limit
  • $2 million occurrence limit & $2 million aggregate limit
  • $3 million occurrence limit & $3 million aggregate limit

Business Personal Property add-on:

  • Business Personal Property coverage is available as an add-on to your Hiscox General Liability policy
  • Choice of coverage limits: $5k, $10k, $15k, $20k, or $25k

Accredited Insurance

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability

Why We Like It

Accredited Insurance is backed by the massively-known Travelers Insurance with whom it co-built a General Liability policy tailored specifically for small businesses.

Accredited offers insurance in all 50 states as well as Washington DC and has been in business for over 50 years. The company has proven itself for its high-quality service, stability, and integrity.

Accredited also has a strong financial strength rating of A- from AM Best. This means you can rest easy knowing that you will be supported by a strong company should anything go wrong.

Coverage Highlights

Contractors opting for General Liability through Accredited gain access to:

  • $1M Occurrence limit & $2M Aggregate limit

Non-contractors have the option of plans ranging from:

  • $100k occurrence limit & $300k Aggregate limit
  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments;
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsements (optional)

Travelers Insurance

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AMB Financial Strength
A++ (Superior)
Specialized for:
Professional Liability

Why We Like It

Travelers is one of the largest insurance providers in the US and offers nationwide business insurance coverage.

Travelers can offer many different types of coverage for businesses of all sizes but is specifically well suited for Professional Liability plans for companies in the fields of:

  • Accounting
  • Bookkeeping
  • Tax Preparation

Travelers is a great choice for professional liability backing thanks to the brand’s nationwide coverage, 160 years of expertise, and top financial rating of A++ from AM Best.

Coverage Highlights

Professional Liability Coverage through Travelers offers access to:

  • $1 million occurrence limit & $1 million aggregate limit

Optional add-ons include:

  • Defense Outside Limits coverage

Cerity

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AMB Financial Strength
A- (Excellent)
Specialized for:
Workers’ Compensation

Why We Like It

Cerity offers affordable workers’ compensation policies and can cover various types of businesses and industries. As a major insurance provider in the US, Cerity is known for its:

  • Low prices
  • Simple policies
  • Same-day coverage

When you sign up for a workers’ comp policy through Cerifty, you get same-day coverage and proof of insurance. This means you can get your business started faster with very little lag time.

Cerity is a well-known provider in the insurance industry and has an AM Best financial strength rating of A- (Excellent), as well as 4.4 stars on Trustpilot. Cerity is offered nationwide in all states except Ohio, North Dakota, Washington, and Wyoming (where private worker’s comp is not legally sold).

Coverage Highlights

Workers’ comp coverage through Cerity offers access to:

  • Bodily Injury by Accident at $1M per accident
  • Bodily Injury by Disease at $1M per each employee, subject to a $1M policy limit

Other coverage highlights for workers’ comp from Cerity include:

  • Statutory Workers’ Compensation coverage
  • Customers have the option to include or exclude the owner in coverage when permitted under state law

biBERK Business Insurance

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AMB Financial Strength
A++ (Superior)
Specialized for:
Workers’ Compensation

Why We Like It

biBerk is a subsidiary of the famous Berkshire Hathaway Insurance Group. As part of Berkshire Hathaway, biBerk is automatically backed by an A++ AM Best financial rating and over 75 years of experience in the insurance industry. This ensures you will get reputable service and solid coverage you can rely on.

The provider specializes in Workers’ Compensation coverage for small businesses across all US states except OH, ND, WA, and WY.

A major highlight of biBerk is that workers’ comp is available to sole proprietors and multi-employee businesses.

Coverage Highlights

Workers’ Comp coverage through biBerk includes Employers’ liability limits for:

  • Total policy limit of $500k
  • Bodily Injury by Accident at $100k/accident limit
  • Bodily Injury by Disease at $100k/employee limit
  • Coverage for the owner (optional depending on state law)

Other plan highlights:

  • biBerk’s Workers’ Comp plans offer statutory Workers’ Compensation coverage. This means that the employee is not required to prove that their employer is at fault to receive compensation.

USG Insurance Services, Inc.

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AMB Financial Strength
A- (Excellent)
Specialized for:
Cyber Liability

Why We Like It

With the growing need for cyber security coverage, look no further than USG Insurance Services, Inc.

USG offers top-notch Cyber Liability insurance to protect small and micro-businesses from cyber-attacks and data breaches originating from outside your company.

Plans are available for a broad range of business types and come backed by North American Data Security as well as a solid AM Best financial rating of A-. USG operates 20+ branches across the country, meaning you’re sure to have a regional or local office nearby to support you with queries and account management help when needed.

Coverage Highlights

Cyber Liability Coverage through USG offers access to:

  • $250k occurrence limit & $250k aggregate limit

Other coverage highlights for Cyber Liability include:

  • $1k deductible
  • $250/year flat rate of coverage
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What is contractor insurance?

Contractor insurance protects your business from financial losses in the case of a serious work-related incident, such as bodily injury, property damage, theft of equipment, and legal disputes.

For example, if you accidentally damage the property you’re working on and your client holds you liable for the damages, contractor insurance could cover the costs of the claim.

Finding the right contractor insurance policy for your business will depend on various factors, such as the work involved and where it’s located. While you can usually get all the necessary coverage from one insurance company, you’ll likely need to combine several types of business insurance to cover all the potential risks.

How much does contractor insurance cost?

Contractor insurance costs anywhere from several hundred dollars a year for basic contractor liability insurance to several thousand dollars for comprehensive coverage that includes commercial property and workers’ compensation.

Contractors’ general liability insurance starts as low as $48.71 a month*

*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business.
Averages based on July-September 2023 data of 10% of total SimplyBusiness policies sold.

The amount you pay for coverage depends on many factors, such as the following:

In some cases, smaller contractor businesses may be able to pay a lower flat fee for basic coverage on specific projects. Larger companies and projects come with more risk and, therefore, may require more robust insurance plans.

(855) 843-2963

Call for free to discuss costs with an insurance professional!

Who needs contractor insurance?

Many states and cities require some amount of insurance — typically general liability insurance — to operate.

All states but Texas require you to carry workers’ compensation insurance if your business has one or more employees. Even if there is no legal requirement in your area, it is always best practice for you to carry some amount of coverage.

Contractor insurance protects you if a client gets sick or hurt due to your work or if you accidentally damage their property while on the job. Depending on the type of coverage you buy, insurance can also protect equipment, materials, and other property you use in your work. Contractor insurance may also cover your lost revenue if your business has to close temporarily as a result of an incident or natural disaster.

What happens if a contractor is not insured?

Not having contractor insurance can be financially devastating for both you and your client. If an accident occurs on the job and you’re not insured, either of you may be held personally responsible for any resulting injuries or damages. This means that you could be liable for paying the costs associated with medical expenses, lost wages, repairing or replacing property, and any other damages. If a lawsuit is filed against you, you could also have to pay the legal fees.

What does contractor insurance cover?

The specific coverages included in a contractor insurance policy vary depending on your unique circumstances and risk exposure.

Typical coverages included in a contractor insurance policy are general liability, professional liability, commercial property, workers’ comp, and inland marine.

To determine which coverages are right for you, take the time to assess your needs.? If you need help deciding which of these coverages are necessary for your business, talk with an experienced insurance professional who can guide you in selecting a policy that covers your risks and the requirements of state and local laws in your area.

Advertiser Disclosure
Protects your business from claims of bodily injury, property damage, personal/advertising injury, and completed operations.
Examples of coverage:
  • Cost of damages resulting from work performed
  • Medical costs of clients injured on jobsite
Protects your business against claims of negligence, as well as lawsuits resulting from errors in your work or witheld information.
Examples of coverage:
  • Legal fees
  • Settlements
Covers contractors and their employees from financial losses & liability if they become injured or ill due to work-related causes.
Examples of coverage:
  • Medical expenses of employees injured on jobsite
  • Lost wages from being unable to work
Covers physical assets like equipment, machinery, and suplies when in transit over land or temporarily stored at off-site locations.
Examples of coverage:
  • Repair of equipment damaged in transit
  • Replacement of equipment damaged in transit
Covers employee theft of valuables items or funds. Especially important for businesses that send workers to clients’ homes or businesses.
Examples of coverage:
  • Replacing stolen property
  • Reimbursement of stolen funds
Covers damage, loss, & theft of physical assets at a business’ primary location like inventory, furniture, and equipment, but does not cover the building.
Examples of coverage:
  • Replacement of equipment stolen from business location
  • Repair of equipment damaged at business location
Covers company vehicles and employees who drive them. Includes coverage for injuries, and vehicle damage, medical payments, collisions, and more.
Examples of coverage:
  • Fixing vehicle after a collision
  • Paying for medical bills of injured occupants
Protects companies’ data & intellectual property from cyber-related risks such as financial losses caused by cyber-attacks, external data breaches, etc.
Examples of coverage:
  • Data recovery costs
  • Legal fees
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General liability insurance

Also known as business liability insurance, this type of coverage protects you and your business from claims of bodily injury and property damage. For example, if you’re installing cabinets and accidentally ruin the flooring, the client could sue you for the cost of repairs. General liability insurance can help cover the costs.

Workers’ compensation insurance

Workers’ compensation protects workers who get sick or injured while on the job, covering medical and rehab payments and lost wages. It can also provide legal representation should an employee sue due to workplace negligence. Workers’ comp is legally required in every state except Texas for any company with employees.

This type of coverage is especially important in the construction industry where you and your employees regularly work with potentially dangerous equipment. For example, if a worker gets electrocuted from faulty electrical equipment, workers’ comp would cover their medical expenses and lost pay.

Professional liability insurance

Also called errors and omissions (E&O) insurance, this type of insurance protects your business if you make mistakes in the delivery of your services. In certain cases, it can also protect from damages resulting from contractual disputes, negligence, and even failure to perform professional duties.

If you make a mistake in managing a project and this leads to quality issues or missed deadlines, your client could sue you for financial losses. Your professional liability insurance would cover the legal expenses and costs of any damages.

Commercial property insurance

This type of policy protects you from financial losses if your business property is damaged due to fire, theft, vandalism, and other hazards. This type of insurance covers both owned and leased equipment property, such as equipment and tools.

Say your storage facility, which holds materials, is damaged by a storm. Commercial property insurance would cover the cost of repairing or replacing the damaged property.

Commercial auto insurance

Commercial auto insurance covers the vehicles you use for business and protects you from financial losses due to accidents, such as injuries and property damage. If you’re in an automobile accident on the job, this type of policy will cover any injuries to those involved and any damages to the car.

Regular personal auto insurance typically won’t cover vehicles used for business purposes. It’s important to make sure that vehicles used by employees for business purposes are also covered by commercial auto insurance so that everyone is protected in case of an accident.

Inland marine insurance

Inland marine insurance is designed to protect your business’s property while it’s in transit or stored temporarily in a moveable location. This type of insurance can cover a variety of risks, such as loss or damage of construction materials or tools being moved to a job site. It can also protect any equipment you’ve borrowed if it gets stolen or damaged while in your care.

Business interruption insurance

Business interruption insurance provides coverage for your lost income and extra expenses if your business operations are interrupted or suspended due to an unforeseen event, such as a natural disaster.

If your workshop is damaged by a fire, causing you to temporarily halt business operations, business interruption insurance could cover your lost income, as well as extra expenses like moving temporarily to a new workshop location.

Home-based business insurance

Home-based business insurance is designed for those who run their business from their home. It can help cover property damage, business-related injuries, and lawsuits. Since most homeowners insurance policies include only a small amount of coverage for the business property kept at home, we recommend getting home-based business insurance in addition to your homeowners’ insurance.

For example, if one of your clients is injured due to your operations or an expensive piece of equipment is stolen from your work truck, you probably won’t be covered by your traditional homeowner or auto insurance policies. Home-based insurance can fill in this gap in coverage.

Cyber liability insurance

Cyber liability insurance is specialized insurance that can protect your business from potential financial losses due to data breaches, privacy issues, and other cyber liabilities. While this coverage isn’t standard among contractors, it can be valuable if you digitally store sensitive data (such as payment information) or proprietary customer data. In these cases, cyber liability can cover first-party costs — such as investigation, notification of customers, defense/response to incidents, and public relations — and third-party costs like legal fees or damages associated with network security lawsuits.

(855) 843-2963

Call to discuss what type of business insurance if right for you.

Examples of contractor insurance claims

As a contractor, you should understand the risks you face and the types of insurance available to guard against them.

Here are some common contractor insurance claims that demonstrate why having an appropriate policy is so important.

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FAQ: Contractor insurance

Do you need contractor’s insurance?

In most states, contractors are legally required to have insurance as a condition of licensing. Contractors need insurance to protect themselves financially in case of unexpected events that could significantly impact their business. Insurance can cover various risks, such as loss or damage of construction materials, liabilities for injuries sustained by clients or the public, and injury or illness suffered by employees while on the job.

What insurance should a contractor have?

Depending on the size and types of projects they do, a contractor should have general liability, professional liability, commercial property, workers’ compensation, and inland marine insurance. With these or a similar combination of coverages, you are protected against a broad array of the most common risks faced during normal operations.

Why is insurance important for contractors?

Insurance is important for contractors because it offers financial protection in case of unexpected events, such as damage to their equipment and materials or activities that could cause property damage or bodily injury. It can also cover other costs associated with injury or disaster-related downtime, as well as claims resulting from inaccurate or incomplete work.

Are subcontractors covered under contractor insurance?

In many cases, subcontractors are covered by a contractor’s policy, but that coverage may only be for certain risks (general and professional liability, for example). Whether or not subcontractors are covered depends on the contractor’s policy and the nature of the relationship between a general contractor and their subs. Consult with an experienced agent to understand which policies purchased by a contractor also cover their subs.

Are contractors required to have insurance?

Depending on the state and type of contracting taking place, insurance is typically required by law as a condition of contractor licensing. For example, if a contractor works in California, they may be legally obligated to carry both general liability and workers’ compensation insurance. Even in states where insurance isn’t legally required, it’s still important for contractors to carry insurance to protect themselves from potentially ruinous losses in the event of a serious accident.

About the Author

Kiah Treece
Kiah Treece Business Finance

Kiah Treece is a business finance expert with more than five years of editorial experience. Through her experience as?a small business owner, real estate investor, and lawyer, she’s knowledgeable in the areas of banking, loans, financing, and insurance for small businesses. Her first-hand experience has enabled her to?break down complex?financial topics to help?consumers make informed decisions so they can spend their money wisely.

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