Contractor Insurance & Bonds Made Easier

Compare coverage options, access secure digital policy tools, explore flexible payment solutions, and work with contractor insurance specialists serving Washington, Oregon and Idaho.

Insurance Coverage Built for Contractors

Insurance designed for licensed contractors, active jobsites, crews and project-based risk.

General

Liability

Protection against slip-and-fall, property damage, and lawsuits.

Commercial

Auto

Coverage for work trucks, vans, and business vehicles.

Workers’

Compensation

Employee injury, wage replacement, and employer protection.

Business Owner’s Policy (BOP)

Bundled liability and property coverage for small businesses.

Professional /

Contractor E&O

Protection against claims from design errors, plans, or professional advice.

Tools & Equipment

(Inland Marine)

Coverage for tools, machinery, and equipment used on and off jobsites.

Umbrella /

Excess Liability

Additional liability limits above your primary insurance policies.

Builders

Risk

Property and materials coverage during construction and renovation projects.

Why Contractors Choose JC Family Insurance

Insurance Built for Contractors, Not Just Businesses

Whether you're just starting your company or managing multiple crews across Washington, Oregon, or Idaho, your insurance should work as hard as you do. We combine contractor expertise with modern technology to make quoting, buying, and managing your policies faster and easier.

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🏗️ Contractor Specialists

Construction insurance is our specialty. We understand contractor licensing requirements, certificates of insurance, additional insured requests, commercial auto, surety bonds, workers' compensation, and the coverages contractors need to stay compliant and win more jobs.

🔍 Multiple Companies. More Choices.

As an independent insurance agency, we compare coverage and pricing from multiple insurance companies—not just one. That means you can review your options and choose the policy that best fits your business and budget.

⚡ Shop, Select & Buy Online

Request a quote, upload documents, sign electronically, make secure payments, and complete more of the insurance process online—without unnecessary office visits.

📂 24/7 Online Policy Center

Access your policies anytime through our secure Policy Center. View documents, download certificates, request policy changes, make payments, and keep everything organized in one convenient place.

💳 Easy Payments & Premium Financing

Pay your way with secure online payments and flexible premium financing options. Monthly payment plans, convenient payment links, and mobile-friendly tools help make managing your insurance simple.

📚 Free Contractor Resources

We're more than an insurance agency. Our Contractor Resource Center includes licensing guides, contractor education, safety resources, industry updates, and our popular Contractor Nightmares series designed to help you avoid costly mistakes before they happen.

The JC Family Insurance Advantage

Modern tools. More options. Real contractor expertise.

Typical Insurance Experience

Limited Market Options

Phone-First & Fragmented Service

Documents Buried In Emails

Limited Payment Flexibility

Generalist Insurance Approach

Limited Contractor Education & Resources

JC Family Insurance

Compare Available Quote Options From Multiple Carriers

24/7 Digital Tools + Direct Human Support

Secure Online Policy & Document Center

Online Payments, Financing & Carrier Payment Access

Contractor-Focused Insurance & Surety Specialists

Licensing Guides, Bond Education, Contractor Resources & Real-World Claim Lessons

Explore Our Contractor Nightmares Series

Common Risks Contractors Face — Real-World Claim Scenarios Explained in Our Contractor Nightmares Series

Burst Pipe

Flood Claim

Landscaping contractor accidentally strikes an underground irrigation line resulting in flooding and a General Liability insurance claim.

Irrigation Line

Strike- Leak

Landscaping contractor accidentally strikes an underground irrigation line resulting in flooding and a General Liability insurance claim.

Work Truck Accident

Stolen Excavator

OSHA Worker Injury

Certificate Emergency

Bond

Rejected

HVAC Refrigerant Leak Claim

Explore Contractor Insurance By Trade

Find insurance solutions tailored to your trade. We help contractors across Washington, Oregon, and Idaho secure liability, commercial auto, workers compensation, inland marine, and contractor bond coverage.

Don't see your trade listed? We insure nearly every licensed contractor trade in Washington, Oregon & Idaho. Get a fast quote today.

Don't see your trade? We insure nearly every licensed construction trade in the Pacific NW - Serving All of Washington, Oregon & Idaho.

Our Partner Insurance Providers

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Testimonials

Common Questions Answered

Answers to Frequently Asked Questions

What insurance does a contractor need?

Most contractors carry General Liability, Workers Compensation, Commercial Auto, Inland Marine, and often an Excess Liability (Umbrella) depending on project requirements.

What does Workers Compensation cover?

Workers Compensation helps pay medical expenses, lost wages, and rehabilitation costs for employees injured on the job.

Is General Liability required for contractors?

Many customers, property owners, and general contractors require proof of General Liability insurance before work can begin.

What is Inland Marine insurance?

Inland Marine covers tools, equipment, trailers, and mobile property used on jobsites.

What bonds do contractors need?

Requirements vary by state and project. Common bonds include license bonds, permit bonds, bid bonds, performance bonds, and payment bonds.

What is the difference between General Liability and Workers Compensation?

General Liability protects against third-party claims, while Workers Compensation covers injuries to your employees.

Do contractors need Commercial Auto insurance?

If vehicles are used for business purposes, Commercial Auto coverage is usually recommended and often required.

What is Builder's Risk insurance?

Builder's Risk helps protect structures, materials, and supplies during construction.

How quickly can I get a contractor insurance quote?

Many contractor quotes can be completed the same day depending on the trade and information provided.

Do you insure high-risk contractors?

Yes. We work with many markets that specialize in roofing, excavation, framing, concrete, tree service, and other higher-risk trades.