Contractor Insurance

Top Coverage Considerations for Independent Contractors

  • Errors and omissions: Contractors who provide consulting and advice, such as accountants, financial planners, interior designers and landscape architects, need to be concerned about liability risks due to losses a client may experience as a result of the contractor’s recommendations.
  • Bodily injury and property damage: Contractors who work with heavy machinery and tools, such as plumbers, re-modelers and electricians, need to be concerned with mishaps due to hazards such as power tools, defective machinery and compressed gas.
  • Product and liquor liabilities: Independent contractors who serve food and alcohol at functions need to be concerned with potential injuries and illnesses due to food and alcohol served.
  • Medical and disability: As a contractor, you are most likely not on a group plan to cover your own injuries, which can leave you exposed to a loss of income risk if you become ill or injured.

Who Needs Contractors Insurance?

There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

  • Independent construction contractors
  • Plumbers, carpenters, electricians and painters
  • Repair people
  • House and carpet cleaners
  • Freelance writers, editors and graphic designers
  • Independent hair stylists, and salon professionals
  • Horse or dog trainers

General Liability

In the high-risk construction industry, protection and safety are essential. Discover how contractor general liability insurance protects your business assets.


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Contractor Bonds

Need a contractor bond fast? Let us get you the license, bid, performance, payment and other surety bonds you need to get back to work.


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Commercial Auto

Commercial auto insurance protects the hard-working vehicles contractors and construction professionals need to do their job and grow their business.


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Workers' Comp

Workers’ comp insurance protects your employees from accidents and injuries in the high-risk construction industry. Find out more.


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Builders Risk

Find out how builders risk insurance protects your investments during the course of construction, and shields you from unexpected losses.


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Tools & Equipment

Tools & equipment insurance helps contractors protect their tools and equipment from of the most common risks of the trade, like theft or damage.


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Umbrella

Discover the ways umbrella insurance can offer the ultimate protection for your construction business - with one affordable premium.


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