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Why Does a Contractor Need Insurance?
Contract work puts you on other people’s property, on tight timelines, and under contract requirements. One injury, damage claim, or dispute over your work can turn into a costly lawsuit. Insurance helps you keep jobs moving and protect cash flow.
What Does Contractors Insurance Cover?
Contractors insurance can cover third-party injuries and property damage, damage to your tools and equipment, employee injuries, and certain claims tied to your completed work, depending on the policies you choose.
A client trips at the jobsite
A homeowner slips on debris near the work area and breaks an ankle. General liability can help cover medical bills, legal costs, and a settlement if you’re held responsible.
You damage a finished surface
While moving materials, you gouge new flooring or crack a countertop. Liability coverage can help pay for repairs so a small accident does not erase the profit on the job.
Your tools are stolen overnight
Tools and small equipment disappear from a locked trailer or jobsite storage. Inland marine coverage can help replace them quickly so you can stay on schedule.
Contractors Insurance Made Simple
Everything you need to know about protecting your business, from coverage basics to real-world scenarios.
