Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Contractors Insurance
A package built around how trades actually work — on sites, with tools and subs.
What this cover does
Contractors carry a mix no single policy covers: liability on sites they do not control, tools that move daily, vehicles, subcontractors and contract terms that dictate limits and endorsements. The package is assembled to match the contracts you are signing.
Typically included
- General liability including products and completed operations
- Contractors tools and mobile equipment
- Commercial auto for vans and trucks
- Workers compensation for employees
- Installation floater for materials until acceptance
- Umbrella liability above the base limits
Common add-ons
- Additional insured and waiver of subrogation as contracts require
- Professional liability for design-build work
- Pollution liability for ground-disturbing trades
- Builders risk on projects you control
- Surety bonding lines
Questions
What people ask about contractors
A main contractor sent me insurance requirements. Can you match them?
Send them over. We read the certificate requirements against the policy and tell you plainly what is already met, what needs an endorsement and what costs more.
Are my subs covered by my policy?
No. Each sub needs their own cover and you should collect certificates. Uninsured subs can end up on your workers compensation audit and your liability claims.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Contractors Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.