What is Contractor’s Insurance?

Like any business, general and independent contractors need insurance to protect themselves financially. Most contractors need general liability insurance at the least. What type of insurance you need depends on the type of work you do. When it comes to contractor liability, you need to seriously consider your risks. If you go direct to a major insurance carrier like Progressive you could be leaving money on the table. Trusting your insurance to an experienced broker can get you access to smaller niche insurance carriers.

Special features you could also be qualified for:

• Coverage for your tools from theft or damage

• Better rates for workers compensation

• Extended blanket insurance for larger jobs

• Special access to bonding experts for larger contracting business bids

Some types of independent contractors we excel at finding coverage for include the following:

• Independent construction contractors (especially oil & gas contractors!)

• Restoration & remodeling professionals

• Repair handyman, or servicing contractors

• Plumbers, carpenters, electricians, painters (great teams get great rates!)

• House cleaners and commercial carpet cleaners