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Contractor insurance

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


Contractors are like any business. You need property and general liability insurance to minimize the basic financial risks of running a business. Additionally, contractor insurance includes coverage designed for specific industry risks. Our agency can find a customized policy that includes coverage most suitable for you. If your employees are mobile, you need to think about a commercial auto policy too. Most accidents happen between jobs.


To learn more about contractor insurance, give us a call at 970-328-2324 or fill out the form below.

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