Insurance for Construction Companies and Contractors

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What kind of work do you do?
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Every customer has a story to tell

Meet Nathaniel Muhammad, a general contractor and small business owner born and raised in Chicago.

Learn about how he started his business, the passion that drove him to pursue his dream, and how Insureon has helped him protect it with the right policies.

Recommended insurance policies for construction businesses and contractors

Insurance can help your business recover from lawsuits, injuries, and theft. Meet your state's requirements and find peace of mind with the right insurance for construction companies and contractors.

General liability insurance icon

General liability insurance

This policy covers basic risks for construction companies and contractors, 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
  • Product liability insurance
Business owner’s policy icon

Business owner's policy

A business owner's policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and property damage.

BEST FOR
  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for construction companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

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 and contractors 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 (E&O), covers legal expenses when a construction error leads to a lawsuit.

BEST FOR
  • Accusations of negligence
  • Failure to complete construction
  • Failure to use promised materials
Looking for different coverage? See more policies.

Does my construction business need commercial auto insurance?

A painting company's trucks with ladders on the roof.

Construction businesses and contractors that purchase commercial auto insurance often:

  • Have a vehicle titled to their business
  • Drive to and from worksites
  • Carry tools, equipment, or products used for work
  • Transport clients or employees
  • Rely on delivery drivers or couriers

Check the laws in your state to see when coverage is required.

How much does insurance cost for construction businesses?

Man in construction vest and helmet calculating insurance costs.

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

  • Construction and contracting services
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
  • Type of insurance or surety bond
View Costs
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