Insurance for Construction & Contractors
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No two job sites are the same — and neither is the risk. Whether you’re a general contractor, a plumber, or an electrician, Insuribly gives you an agent who knows the construction industry and can build a policy that actually fits how you work. |
We are dedicated to providing you with personalized insurance solutions that fit your unique needs as a Builder; General Liability, Builders Risk, Commercial Auto? We have what you need and more…
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Built Tough for the Construction Industry |
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Contractors deal with real risks every day — on-site injuries, equipment damage, subcontractor disputes, and clients who want proof of coverage before the first nail is driven. We partner with carriers who know the construction world, and we train our agents to own it. Whether you’re a solo operator or managing a full crew, Insuribly makes getting the right coverage simple — so you can get back to building. |
Don’t underestimate your risk
Getting the right independent contractors liability insurance in place can protect you from lawsuits, mishaps and third party property damage that can devastate your business.
Normally, you will need a few different categories of coverage for complete liability protection:
The specific independent contractors liability insurance coverage you need will be unique to your business. By working with a Insuribly Group agent, you can ensure that you don’t have critical gaps in coverage that could leave you exposed to expensive legal claims.
Do you need a Business Owners policy?
The contractors general liability coverages can often be bundled with a few other coverages to create a business owners policy, or BOP.
This serves two purposes. It expands the policy to cover risks that small business owners face, and also typically results in a discount on the cost of your insurance.
Some of the additional coverages that can typically be bundled with a BOP include:
- Property damage: This insurance covers your owned or rented property if it is damaged. This includes office buildings, storage facilities, warehouses, workshops, or garages. It does not cover commercial vehicles.
- Business income: This protects you from loss of income if your business is interrupted due to a covered loss. It usually covers income and operating expenses for up to 12 months.
- Commercial auto: Insures your cars, trucks, vans, specialized trucks or any vehicles used for business purposes.
Workers Compensation Insurance?
In most states if you have employees then this isn’t even a question of do I want this? This is a must to be able to employee staff. Workers Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of cost of injuries to an employee. Some examples of this can be things like:
- Injury at Work
- Disease caused by work environment
In most cases an incident would need to take place while the employee is at the place of employment, however it would be best to discuss with your local independent insurance agent for more of a case by case basis.
Should You Consider Professional Liability Coverage?
When you are looking for the right contractors insurance for your business, you will have many choices, including whether to buy professional liability insurance, also known as “errors and omission” insurance or “E & O.”
E & O is a liability policy that protects you if you make a mistake that causes a financial loss to a client. Similar to general liability, it will provide legal defense and claims settlements, if necessary.
You may want or need this coverage under the following circumstances:
You provide professional advice in your line of work. This can include everything from recommending a particular type of plumbing or wiring to providing interior design services.
You hire employees or subcontractors who provide any sort of advice or consulting services.
Your state requires you to have E & O insurance due to the work you perform.
If you utilize subcontractors, it is a good idea to make certain they are insured with professional liability as well, as they may not be covered by your policy.
Contractor Resource Hub
Curated resources to help construction and contracting businesses stay compliant, protected, and informed.
Associated General Contractors
Training, advocacy, safety resources, and networking for commercial construction businesses.
Visit Resource →OSHA Construction Safety
Construction site standards covering fall protection, scaffolding, trenching, and safety requirements.
Visit Resource →National Contractors Association
Business resources, insurance guidance, and legal tools for independent contractors.
Visit Resource →NFIB Small Business Resources
Advocacy, HR templates, and compliance tools for small contracting businesses.
Visit Resource →Construction Financial Management Association
Financial management best practices and resources for construction business owners.
Visit Resource →Small Business Administration
Loans, bonding assistance, and federal contracting resources for small construction firms.
Visit Resource →States Where We Provide Insurance Services
Head office located at: 192 E Main Street
Fredonia New York 14063.
