Insurance for Contractors
Explore insurance for construction and trade work, from job-site liability to the vehicles and employees behind each project.
Online quotes depend on eligibility and underwriting.
Let’s talk insurance.
Describe the work, not just the trade label
New construction, renovation and repair can carry different contract and insurance questions. Explain the work performed, project types and any specialized activities. Insurance does not replace contractor licensing or permission to perform a particular trade.
Read the project requirements before the start date
Contracts may request limits or endorsements beyond a basic certificate. Compare those requirements with the policy, including how completed work is treated. Separately discuss tools, business vehicles and employee duties; a liability policy should not be assumed to protect every asset used on a job.
Coverage to consider
General liability: Customer injuries and damage to another person’s property raise liability questions. Review the covered operations, limits and exclusions.
Workers’ compensation: Employee injuries require their own discussion. Explain the duties performed and review applicable requirements before hiring or changing work.
Commercial auto: Business driving should reflect vehicle ownership, drivers and use. Do not assume a personal policy or premises policy addresses every business trip.
Related business guidance
Opening a business? Read insurance for a new business. You can also browse all industries or find your city in Areas We Serve.
Coverage depends on the policy’s terms, limits and exclusions. An inquiry or online quote does not put coverage in force.
Common questions
Does a certificate change my contractor policy’s coverage?
No. Coverage comes from the policy and endorsements, not from wording added to a certificate.
Should I mention work performed after the main project is complete?
Yes. Describe the work and review completed-operations terms and contract requirements.
Does insurance authorize me to perform a licensed trade?
No. Licensing and insurance are separate matters; check current requirements with the relevant licensing authority.