Contractors and Tradesman Insurance

Contractor and Tradesman Insurance

Tradesman insurance, also known as contractor insurance, is a specialized type of insurance designed to protect professionals in various skilled trades from the risks associated with their work. Whether you're a plumber, electrician, carpenter, or contractor, having the right insurance coverage is essential for safeguarding your business against liabilities, accidents, and unexpected events.

Our agents can work with you to find the most affordable package of coverages for your budget.

Types of trades we insure:

• General Construction
• Carpenter
• Plumber
• Electrician
• Landscaper
• Painter
• Handyman
• Heating and Air Conditioning
• Floor Installation
• Mason
• And More!

Common insurance coverages required for contractors, subcontractors and independent tradesman include:

General Liability Insurance

General liability insurance provides coverage for third-party bodily injury, property damage, and advertising injury claims against your business. This coverage is essential for protecting you from potential lawsuits and financial losses arising from accidents or injuries that occur on the job site.

Commercial general liability on an occurrence coverage form. The limits of liability shall not be less than:

• $1,000,000 each occurrence (combined single limit for bodily injury and property damage)
• $1,000,000 for personal and advertising injury liability
• $1,000,000 aggregate on products and completed operations
• $2,000,000 general aggregate

Commercial Automobile Liability Insurance

If you use vehicles for business purposes, such as transporting tools or traveling to job sites, commercial auto insurance is essential. This coverage protects your vehicles and drivers in case of accidents, collisions, or other vehicle-related incidents.

$1,000,000 Combined single limit each accident for bodily injury and property damage. Include coverage on all owned, hired, and non-owned automobiles.

Workers' Compensation (Statutory) and Employer's Liability

Workers' compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill on the job. In many states, workers' compensation coverage is mandatory for businesses with employees, including tradesmen who hire workers.

Limits:

• $1,000,000 each accident for bodily injury by accident
• $1,000,000 each employee for bodily injury by disease
• $1,000,000 policy limit for bodily injury by disease

Call 888-237-7922 for an instant quote!

Tradesman and Contractor Insurance FAQs

How does contractors liability insurance protect your business?
Contractors liability insurance protects your business from financial losses due to third-party bodily injury or property damage claims arising from your work. It covers legal defense costs, settlements, and judgments against your business.

What's the difference between a certificate holder and an additional insured?
A certificate holder receives proof of your insurance but has no rights under the policy. An additional insured has actual coverage rights under your policy and can make claims directly.

What type of insurance should a contractor have?
Contractors typically need general liability, commercial auto, workers' compensation, and sometimes professional liability insurance. The specific requirements depend on your trade, state regulations, and client contracts.

Are contractors required to have insurance?
Requirements vary by state and trade. Most states require workers' compensation if you have employees, and many contracts and licensing boards require general liability coverage. Check your state's requirements and contract terms.

Do I need workers' compensation insurance if I'm an independent or self-employed contractor?
In most states, self-employed contractors are exempt from workers' compensation requirements for themselves, but if you hire subcontractors, you may be required to carry coverage. Many clients and general contractors require proof of workers' comp regardless.