What It Covers
Contractor insurance is not a single policy. It is the set of coverages that protect your operation from the risks your work actually carries: third-party injury and property damage, the tools and equipment you move between jobs, the vehicles your crews drive, and the professional exposure that comes with design or consulting work. Most contractors carry several of these lines at once, often bundled, and general contractors and public agencies check them before you are allowed to bid.
Who Needs It
Nearly every contractor and trade business. The exact mix depends on your work: a roofer, an electrician, and a general contractor carry different combinations. We build the program around your actual operation, not a template, and make sure the certificates you hand out match what your contracts require.