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Why do general contractors need insurance?
An accident at a construction site could spell disaster for your small business. Business insurance for contractors helps cover expenses related to worksite injuries, stolen equipment, and other risks you face every day.
Find the right coverage
Insureon helps general contractors find construction insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do general contractors need?
These commercial insurance policies cover the most common general contractor risks.
General liability insurance
This policy covers basic risks, such as a client who trips over your toolbox and suffers an injury. Bundle with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for general contractors.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers’ comp for general contracting businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
Commercial auto insurance
This policy covers the cost of injuries and property damage in accidents involving a general contractor’s vehicle. It can also pay for repairs to vehicles damaged by weather or vandalism.
BEST FOR
- Physical damage and collision coverage
- Medical costs from an auto accident
- Vandalism and theft
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.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Professional liability insurance
This policy is also called errors and omissions (E&O). It covers legal fees when a general contractor is sued over a mistake, such as using the wrong materials.
BEST FOR
- Accusations of negligence
- Failure to complete a project
- Failure to meet specifications
Looking for different coverage? See more policies.
How much does insurance cost for general contractors?
A general contractor who works alone will pay less for insurance than a small general contracting company.
Factors that affect the cost of insurance include:
- General contracting services offered, such as residential or commercial
- Business property and equipment
- Business income and size
- Types of insurance purchased, such as builder's risk insurance or pollution liability insurance
- Policy limits and deductibles
- Number of employees
How do I get general contractor's insurance?
It’s easy to get insurance coverage and surety bonds as a general contractor or commercial builder if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy policies online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that fits your general contracting business, whether you work independently or hire employees.
State insurance requirements
See general contractor insurance requirements in your state
Choose your state to learn about insurance requirements for general contractors.
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