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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.