Contractors Insurance
Customized coverage for independent contractors.
Contractors are like any business — you need property and general liability insurance to minimize the basic financial risks of running a business. Contractor insurance also includes coverage designed for specific industry risks, and our agency can find a customized policy suited to you.
If you're hiring contractors, you want them to carry contractor insurance. The insurance you carry as a business or homeowner may not protect you from liability for a contract worker, which can expose you to lawsuits if a worker is injured at your business or home.
Coverages
Bodily Injury & Property Damage
For contractors who work with heavy machinery and must be prepared for accidents from power tools and other hazards.
Professional Liability
For contractors who provide consulting and advice — protects your finances if a client accuses you of errors, whether by mistake or negligence.
Commercial Vehicle
Any vehicle owned by your business must meet state auto-insurance laws; you can also protect your vehicles from various damages.
Builder's Risk
Covers property and raw materials while construction is underway — often written per project.
Workers' Compensation
Independent contractors may or may not need workers' comp; it compensates employees for medical expenses and lost wages after an on-the-job injury.
Common independent contractor types
Independent construction contractors
Freelance writers, editors, and graphic designers
Repair people, plumbers, carpenters, electricians, painters
Accountants and financial planners
House and carpet cleaners
Independent hair stylists and salon professionals
Frequently asked questions
What insurance do independent contractors need?+
Property and general liability at minimum, plus professional liability, commercial vehicle, builder's risk, and workers' compensation depending on your trade.
If I hire contractors, why does their insurance matter?+
Your business or homeowner policy may not protect you from liability for a contract worker — if they're injured on your job, you could face a lawsuit unless they carry contractor insurance.
What is builder's risk?+
It covers property and raw materials while construction is underway, and is often written per project.
Ready to get protected?
Let's talk about your coverage needs. We shop the market for the best policy at the best price.