Insurance for Construction Companies and Contractors

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What kind of work do you do?

Or call us at (800) 688-1984

Construction employees and contractors at a table reviewing plans.

We partner with trusted A-rated insurance companies

Top construction contractors we insure

Insureon has helped small businesses secure over 1 million policies.

We also cover installation contractors.

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

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

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

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 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

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

Surety bonds

A surety bond is an agreement between a contractor, a client, and an insurance company. It guarantees the insurer will reimburse the client if the contractor fails to fulfill the terms of their contract.

BEST FOR

Project delays
Loss of key staff
Failure to obtain materials

Looking for different coverage? See more policies.

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

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant

Compare construction business insurance quotes

Save money by comparing insurance quotes from multiple carriers.

What kind of work do you do?

Or call us at (800) 688-1984