Business Insurance for General Contractors

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General Contractor
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An accident at a construction site could spell disaster for your small business. Insurance for contractors provides peace of mind and covers expenses related to employee injuries, client property damage, and more.

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What types of business insurance do general contractors need?

These policies cover the most common general contractor risks.

General liability insurance icon

General liability insurance

This policy covers basic business risks, such as a client who trips over your toolbox and suffers an injury. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by a general contractor’s vehicle, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of an independent contractor’s saws, nail guns, hammers, and other tools if they are lost, stolen, or damaged.

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

Professional liability insurance

This policy is also called errors and omissions (E&O). It covers legal costs when a general contractor is sued over a mistake, such as using the wrong materials.

  • Accusations of negligence
  • Failure to complete a project
  • Failure to meet specifications
Builder’s risk insurance icon

Builder’s risk insurance

Builder’s risk insurance can pay for damage done to a structure still under construction. It can cover costs resulting from fire, vandalism, weather, or on-site tool or equipment theft.

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

How much does insurance cost for general contractors?

Man in construction vest and helmet calculating insurance costs.

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

  • General contracting services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Why do general contractors need insurance?

As a construction manager, you oversee projects from start to finish. If something goes wrong, you’re often the one held accountable. General contractor insurance helps pay for lawsuits and losses resulting from crew injuries, property damage, stolen equipment, and more.

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."
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