Contractors Insurance
Contractors insurance built around the way you work.
Request coverage options for general liability, workers compensation, commercial auto, tools, certificates, and project requirements.
What this coverage may help with
Coverage contractors may need, in one streamlined path
Contractors face a unique mix of risks — job-site injuries, property damage, tool theft, contract requirements, and certificate demands. Our contractor intake gathers everything we need to put together GL, workers comp, commercial auto, and tools coverage options.
We work with contractor-friendly markets across many trades and project types.
What we typically need for a quote
- Trade and years in business
- Annual revenue and payroll
- Employees and use of subcontractors
- Project type (residential / commercial) and work above two stories
- Tools & equipment value
- Certificate, additional insured, and per-project aggregate needs
Coverage options
Coverage options to consider
Coverage options vary by carrier, state, and eligibility. Your agent will explain the trade-offs in plain language.
General Liability
Foundational coverage for any contractor.
Workers Compensation
For W-2 employees and many subcontractor relationships.
Commercial Auto
Trucks, vans, and trailers used for work.
Tools & Equipment
Inland marine coverage option for what travels with you.
Certificates of Insurance
Fast COIs for jobs, GCs, and vendors.
Per-Project Aggregate
Separate aggregate limits per project, when required.
Additional Insureds
Endorsement option for GCs, owners, and landlords.
Excess Liability
Higher limits over your primary coverages.
Who it's for
Trades we support
- General contractors and handymen
- Electricians, plumbers, HVAC
- Painters, flooring, drywall
- Roofers (specialty markets)
- Landscapers and concrete contractors
- Cleaning and remodeling crews
Why Quick & EZ
A modern independent agency that works for you
- Independent — we shop with multiple top-rated carriers.
- Plain-language guidance from real agents.
- Bilingual support — Hablamos Español.
- Fast quote requests, no call-center runaround.
- Personal and commercial lines under one roof.
- Licensed across multiple states.
Prefer to talk first?
Speak with a licensed agent
Our team will walk you through what's commonly needed and the coverage options that may fit.
Related coverage
Often paired with this coverage
Many clients combine these coverages — bundling can often unlock multi-policy discounts.
General Liability
Standalone GL details for any small business.
Learn more →Workers Compensation
Required in most states for businesses with employees.
Learn more →Commercial Auto
Coverage for work trucks, vans, and fleets.
Learn more →Business Owners Policy
GL plus property for qualifying businesses.
Learn more →Certificate Requests
Request a certificate of insurance for a job.
Learn more →Commercial Overview
Explore all business coverage options.
Learn more →FAQ
Common questions
What coverage does a contractor typically need?+
Most contractors carry general liability and, when they have employees, workers compensation. Many also need commercial auto for work vehicles and inland marine for tools and equipment.
Do you offer certificate-friendly carriers?+
Yes — we work with carriers that issue certificates of insurance for jobs, with additional insureds, waiver of subrogation, and primary non-contributory endorsements when available.
What is per-project aggregate?+
Per-project aggregate provides a separate aggregate limit for each job. It's often required on larger or commercial projects.
Do subcontractors need their own coverage?+
Most contractors require subs to carry their own GL and workers comp, and to provide certificates naming them as additional insured. We can help review your sub requirements.
Can you cover tools and equipment?+
Yes — inland marine coverage may help with tools and equipment that travel between job sites, subject to carrier underwriting.
What if I do roofing or work above two stories?+
These exposures are underwritten more carefully and may require specialty markets. We can match you with carriers that consider higher-exposure trades.
Ready when you are
Request a contractors insurance quote.
Tell us about your trade, crew, vehicles, and certificate needs — we'll review available options with a real licensed agent.
Coverage disclaimer
Submitting a quote request does not bind coverage. Coverage is not effective unless confirmed in writing by the agency or insurance carrier. Coverage options may vary by carrier, state, underwriting, eligibility, and availability. This page provides general information only and does not constitute legal, financial, or insurance advice.
Please note
- Coverage options may vary by carrier, state, underwriting, eligibility, and availability.
- This page provides general information only and does not constitute legal, financial, or insurance advice.