Contractors

Contractors

Contractors

Learn what kind of coverage you need as a Contractors. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Contractors. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Contractors. Ready for a quote? We'll help protect your practice quickly and simply.

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Why Does a Contractors 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.
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.
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.
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.

What insurance do contractors typically need in California?

Most contractors start with general liability and workers’ compensation if they have employees. Many also add tools and equipment coverage, commercial auto for work vehicles, and umbrella liability for higher-limit projects. The right mix depends on your trade, payroll, subcontractor use, and the contracts you sign.

Does general liability cover faulty workmanship?

If I use subcontractors, am I covered if they cause a loss?

What is a certificate of insurance, and how fast can I get one?

Do I need commercial auto if I already have personal auto insurance?

How are contractors insurance premiums priced?

What insurance do contractors typically need in California?

Most contractors start with general liability and workers’ compensation if they have employees. Many also add tools and equipment coverage, commercial auto for work vehicles, and umbrella liability for higher-limit projects. The right mix depends on your trade, payroll, subcontractor use, and the contracts you sign.

Does general liability cover faulty workmanship?

If I use subcontractors, am I covered if they cause a loss?

What is a certificate of insurance, and how fast can I get one?

Do I need commercial auto if I already have personal auto insurance?

How are contractors insurance premiums priced?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.