Contractor and Construction Company Insurance

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Top construction contractors we insure

Insureon has helped small businesses like yours secure over 1 million policies.

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We insure most businesses.

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

Workers’ comp insurance is required in almost every state for construction companies and contractors 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

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

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 businesses and contractors?

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

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