Construction and Contracting Business Insurance

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Common insurance policies for construction professionals and contractors

Insurance your construction company can help your business recover from lawsuits, injuries, and other incidents. Insureon has helped contractors secure about 20,000 policies.

General liability insurance icon

General liability insurance

This policy covers basic construction and contracting risks, such as damage to client property. Bundle it with property insurance for savings in a business owner’s policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required in almost every state for construction and contracting businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Missed wages during recovery
  • Lawsuits over work injuries
Commercial auto insurance icon

Commercial auto insurance

This policy for construction businesses can pay for property damage and medical bills in an accident. It can also cover vehicle theft, weather damage, and vandalism.

BEST FOR
  • Car accidents
  • Vandalism and theft
  • Weather damage
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a construction or contracting professional’s tools and equipment if they are lost, stolen, or damaged.

BEST FOR
  • Equipment less than five years old
  • Mobile equipment 
  • Small tools
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for contractors, also called errors and omissions insurance, helps cover legal expenses when a construction error leads to a lawsuit.

BEST FOR
  • Accusations of negligence
  • Failure to complete construction
  • Failure to use promised materials
Builder’s risk insurance icon

Builder’s risk insurance

Also known as course of construction, builder’s risk insurance can pay for damage done to a structure still under construction, including fires and vandalism.

BEST FOR
  • Building construction
  • Building renovation
  • Worksite theft and vandalism
Looking for different coverage? See more policies.

How much does insurance cost for construction and contracting professionals?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Construction and contracting services
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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