Comprehensive Risk Coverage for Contractors
Protect your contracting business from potential financial losses with specialized liability protection.
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Understanding Contractors Liability Coverage
Contractors Liability Insurance offers financial protection against claims made by customers or third parties for incidents that occur due to the contractor’s work or their employees’ actions. Despite the best safety protocols, unforeseen events can still happen, making this insurance indispensable.
As a contractor, maintaining a safe working environment is a priority. However, incidents can occur even in well-managed operations. That’s why Contractors Liability Insurance is designed to protect your assets, reputation, and business continuity.
In many states, this type of insurance is required by law to ensure you’re fully covered against potential claims without excessive costs. Our firm specializes in offering affordable, trustworthy liability protection to keep your contracting business running smoothly.
TIP 1: Don’t automatically go for the cheapest rate
TIP 2: The cheapest insurance can be the best
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What Does Contractors Liability Cover?
Contractors Liability Insurance offers protection from a variety of risks, including property damage, personal injury, and other related claims. It also includes legal defense, covering attorney fees if your company is sued.
Here’s what the insurance typically covers:
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Personal Injury:
Protects against injury claims linked to your services or work environment.
Example: A customer is injured due to equipment left on-site.
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Property Damage:
Covers damages to someone else’s property caused by your business.
Example: An employee accidentally damages a client’s fence during construction work.
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Reputation Harm:
Defends against claims such as libel or misuse of images.
Example: Using a client’s property in promotional materials without consent.
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Medical Expenses:
Pays for medical costs if someone is injured at your workplace
Example: A client is injured during a site inspection.
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Rental Property Damage:
Covers incidents in rented spaces that your business uses.
Example: A fire in your rented workshop causes extensive damage.
Why Contractors Should Have Liability Insurance
This insurance is critical to protecting your business from costly claims and unexpected accidents.
It covers legal expenses and potential damages if a third party sues over property damage or injury, saving you from financial strain. Many contracts also require this insurance, making it essential for securing jobs and maintaining professional credibility.
With this coverage, your business is safe, and you can focus on growth, knowing that unforeseen liabilities are handled.
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We are licensed in all 50 States!
20 years we represent over 18 different insurance companies from large national companies, to smaller regional companies that most local agents do not have access to.
We will provide you with a choice of the best tariffs in the shortest possible time.
15 Good Reasons To Choose Us
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We are licensed in all 50 States. We are where you are.
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We speak your language! Our agents are bilingual and fluent in both English and Spanish.
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We have been in business over 20 years with an “A+” rating with BBB and thousands of 5 star reviews.
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Our Agents will review your operations to make sure you are properly classified for General Liability Insurance and Workers Compensation Insurance.
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We focus exclusively on Contractor’s insurance for general liability, commercial vehicle, property, workers compensation and all your bonding needs.
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Our knowledgeable professionals can give you the advice you need to ensure you get the coverage you need.
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We can get you insured correctly at the lowest cost.
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We represent over 18 different insurance companies from large national companies, to smaller regional companies that most local agents do not have access to.
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We guarantee a quick turnaround time on your quote, we will not leave you hanging.
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We will obtain your loss runs/claim history on your behalf.
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Our customer service after the sale is the best in the industry, we guarantee certificates of insurance in under 4 hours.
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We will get you quotes from at least three different insurance companies for you to compare.
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We will review your workers compensation experience modification worksheet to ensure you are getting the discount you deserve.
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We offer a number of different financing and payment options.
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We offer free no obligation quotes.
Here’s What Contractors Think
FAQ: What Isn’t Covered by Contractors Liability Insurance?
No, employee injuries fall under Workers' Compensation Insurance. If a worker falls from scaffolding, Contractors Liability Insurance will not cover their medical expenses or lost wages.
No, errors related to professional advice require Errors and Omissions Insurance.
No, vehicle-related incidents require Commercial Auto Insurance.
Typically not, as most policies exclude punitive damages imposed for misconduct.
Intentional acts, such as an employee purposely damaging property, are not covered.
No, defective workmanship or subpar performance is excluded. If your work is faulty, Contractors Liability Insurance won’t provide compensation.
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