Insurance for contractors refers to different types of insurance that cover claims from damages caused by contractors to third parties.
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What is Contractors Insurance good for?

Contractors insurance is a type of insurance coverage designed to protect contracting businesses from financial losses and liability claims. This coverage includes protection against accidents, property damage, and other covered events that may result in financial losses.

Who is Contractors Insurance for?

Contractors insurance is designed for contracting businesses of all sizes and types, including general contractors, subcontractors, builders, and handymen. Any contractor who works with clients, subcontractors, or employees should consider obtaining this insurance to protect their business.

Why would I need Contractors Insurance?

As a contractor, your business faces unique risks and liabilities. Without contractors insurance, you could be responsible for the full cost of repairs, medical bills, or legal fees in case of an accident or liability claim. Obtaining this insurance can provide peace of mind and financial protection in case of a loss.

What does Contractors Insurance cover?

Contractors insurance typically covers the following:Liability claims resulting from accidents or injuries that occur on the jobProperty damage caused by you or your employeesPersonal injury claims, including libel, slander, or invasion of privacyDamage to tools, equipment, or other property used for business purposesBusiness interruption caused by covered events

What does Contractors Insurance not cover?

While contractors insurance covers a range of events, there are some exclusions to this coverage. These exclusions may include:Intentional acts or criminal activityDamages caused by faulty workmanship or poor constructionDamage caused by natural disasters, such as floods or earthquakesEmployee injuries, which may be covered under workers' compensation insurance

Why buy your Contractors insurance from InsureCert?


We’ve made it easier than ever before to complete the purchase and get coverage. How easy? In just simple clicks you can have your policy!


We know the cost of insurance is a big factor for many, and that's why we keep our rates low and affordable for all. We work harder to earn your business.


At Kovr, our specialists are not only committed to give you the best experience digitally, but we are also available 24/7 to help with any concerns!


Getting a policy that does not properly protect you can cause a significant financial loss, it is our job to make sure we serve you the right product based on your need.

What does Contractors cost?

The cost of contractors insurance varies depending on several factors, including the type of work you do, the size of your business, and the coverage limits you select. To get an accurate quote, you should speak with a licensed insurance agent who specializes in contractors insurance.


Suggested coverages for Contractors Insurance?

General Liability Insurance: This coverage protects you from liability claims resulting from accidents or injuries that occur on the job.Commercial Property Insurance: This coverage protects your business property, including tools, equipment, and buildings, from damage or loss.Workers' Compensation Insurance: This coverage provides financial protection in case of employee injuries or illnesses that occur on the job.

What's next?

The best place to start is speak with a licensed professional broker. InsureCert will connect you with a fully licensed broker that understands your business and will work with you to protect what's yours.

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