Why General Contractors Need Insurance

General contractors face unique risks every day.From property damage claims and employee injuries to equipment theft and rejected certificates of insurance, one unexpected loss can delay projects and impact profitability.We help general contractors secure coverage that meets contract requirements while protecting their business, employees, vehicles, and equipment.

Coverage Options for General Contractors

General Liability

Helps Protect Your Business From

  • Third Party Bodily Injury

  • Property damage claims

  • Completed operations claims

  • Legal defense costs

Commercial Auto Insurance

Coverage For

  • Work Trucks

  • Dump Trucks

  • Trailers

  • Company Vehicles

Workers' Compensation

Protection For Employee's

  • Medical Expenses

  • Lost Wages

  • Workplace Injuries

  • Satisfy State Requirements

Inland Marine Insurance

Helps Protect Your Business From

  • Excavators

  • Skid Steers

  • Trailers

  • Tools & Machinery

Why General Contractors Choose JC Family Insurance

Insurance Built for General 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 general 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

Get a Contractor Insurance Quote

Whether you're a new contractor or reviewing your current coverage, we can help you

compare options and identify potential coverage gaps.

Explore More Contractor Nightmares

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

Common Risks General Contractors Face

Irrigation Line

Strike

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

Work Truck

Accident

Stolen

Excavator

OSHA

Citation

BAD

Certificate

Bond

Rejected

Burst Pipe

Flood Claim

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

The Overnight Rainstorm

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

The Shattered

Installation

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

The Uninsured

Subcontrator

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

The Hot Work

Fire

Refrigeration Line

Leak

The Loose Connection

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

Our Partner Insurance Providers

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Testimonials

Get a Contractor Insurance Quote

Whether you're a new contractor or reviewing your current coverage, we can help you

compare options and identify potential coverage gaps.

Common questions answered

Answers to Frequently Asked Questions

How much does General Contractor Insurance cost?

Costs vary based on payroll, subcontractor costs, revenue, claims history, and the type of work performed.

Do General Contractors need Workers' Compensation?

In most situations, businesses with employees are required to carry workers' compensation coverage.

Can I get a Certificate of Insurance quickly?

Yes. Existing clients can request certificates through our Policy Center.

What insurance do most general contractors carry?

Most General Contractors carry:

- General Liability

- Commercial Auto

- Workers' Compensation

- Inland Marine

- Contractor Surety Bonds

Why choose JC Family Insurance?

- Contractor Focused Agency

- Multiple Insurance Carriers

- Fast Certificate Service

- Washington, Oregon & Idaho Expertise

- Contractor Surety Bond Assistance

- Policy Reviews Available