Contractors & Construction Insurance

Q: What insurance do trade contractors need before starting a job site?

Most project owners and general contractors require proof of General Liability, Workers' Comp, and Commercial Auto coverage.

Q: Does general liability cover my tools and machinery?

No, mobile tools and equipment require Inland Marine or Contractors Equipment coverage.

Q: Are subcontractors covered under my policy?

Subcontractors usually need their own coverage, and certificates of insurance should be verified before work begins.

Construction businesses face job site safety exposures, equipment damage, subcontractor liabilities, and strict client contract requirements. Discover commercial coverage options for general and trade contractors.

Core Industry Risk Considerations

✓General Liability for property damage and job site injuries.
✓Inland Marine Coverage for tools, mobile machinery, and equipment in transit.
✓Workers' Compensation for site trade employees and subcontractors.
✓Commercial Auto for work trucks, vans, and heavy equipment transport.

Industry FAQs

What insurance do trade contractors need before starting a job site?

Does general liability cover my tools and machinery?

Are subcontractors covered under my policy?

Find Industry Coverage

Get commercial insurance options tailored for Contractors & Construction Insurance.

Request Industry Quote