We’re one of the fastest growing providers of liability coverage on the web, offering insurance quotes of all types for contractors in the USA
We work for you, not a carrier. One application is shopped across 18 insurers, so the comparison happens before you buy rather than at renewal.
We place what other agencies decline. Roofing, excavation and demolition go to carriers that stay open to construction risk.
We clear the paperwork that holds up jobs. Certificates, additional insured endorsements, waivers of subrogation and workers compensation ghost policies, same business day.
Licensed in all 50 states, in English and Spanish.
We help contractors find the best coverage on any type of insurance thats needed to get the job done.
Whether you’re a roofer, carpenter, plumber, or contractor, we provide affordable insurance policies tailored to your business needs. Our solutions ensure you’re protected no matter the trade.
Contractors liability insurance protects your business and employees from financial losses due to accidents or damages caused to third parties. If your company is held liable for property damage or injury to a person, you would otherwise be responsible for covering the full cost of the damages.
Avoid financial risks by ensuring your business is protected from unforeseen accidents and liabilities.
Covers injuries to other people occurring at your business or while working on your client’s property.
Protects against claims for damages caused to a person or business due to your advertising activities.
Provides coverage for medical expenses if someone is injured at your job site.
Insurance for damages to property under construction or related equipment, ensuring your project remains protected.
Just read and in 30 minutes you will know everything about insurance.
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Watch these videos to learn about General Liability Insurance policies and the differences between other types of policies. You’ll also learn about the specialized endorsements you may need like
This block answers common concerns while using relevant keywords like “contractors liability insurance,” “workers’ compensation,” and “builders risk insurance.”
Contractors liability insurance is commercial general liability coverage that pays for third-party bodily injury, property damage, and the legal defense costs that follow a contractor’s work. It does not cover injuries to your own employees, damage to the work itself, or your tools and equipment. Those risks are covered by workers compensation, builders risk, and inland marine policies.
In most states, yes, as soon as you hire your first employee. Construction is treated more strictly than other industries: several states require coverage at one employee where other trades are exempt until three or more. Owners and officers can often exclude themselves, but general contractors and property owners still ask subcontractors for proof of coverage before work starts.
Builders risk covers the structure while it is under construction, along with the materials and fixtures intended to become part of it, against fire, theft, vandalism and weather. It ends when the project is complete or occupied. It does not cover your tools, your equipment, or injury claims, which sit under inland marine and general liability.
Premium is set by your trade class code, annual payroll or receipts, policy limits, and claims history. A solo handyman and a six-person roofing crew are quoted from different class codes and rarely pay the same rate. Because we shop 18 carriers on one application, the quotes you compare come from insurers that price your specific class rather than a single carrier’s view of it.
Yes. Additional insured endorsements and waivers of subrogation are the two requirements that most often hold up a contract, and both are issued the same business day. Send us the contract language or the certificate request and we will match the endorsement form the general contractor is asking for, including CG 20 10 and blanket versions where the carrier allows them.
Start the online quote or call 888-766-4991. You will need your trade, your state, your annual payroll or receipts, and the limits your contract requires. We shop the application across 18 carriers and come back with the options that will actually write your class, in English or Spanish.
Yes. Certificates are issued the same business day for active policies, and new policies can usually be bound and certificated on the day you accept a quote. Send the certificate holder’s name, address, and any endorsement wording the contract requires, and the certificate is emailed to you and to the holder.
Pick your State to get started! We’ll compare policies from leading providers and show you the best rate after.
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