What is your Trade?
Rates vary based on the physical risk of your work.
Once you purchase, our system automatically emails you the ACORD Certificate of Insurance needed to get on the job site or pull permits.
Why is General Liability mandatory?
General Liability (GL) is the primary requirement for contractors. It protects you from third-party lawsuits.
- Property Damage: If you accidentally drill a pipe and flood a client's home.
- Bodily Injury: If a homeowner trips over your extension cord and breaks a wrist.
- Completed Operations: If your work fails 6 months later and causes damage.
Annual Revenue?
Insurance premiums are rated on gross receipts and payroll.
Choose Your Primary Coverage
Select the policies you need for your certificate.
General Liability
Base coverage. $1M/$2M Limits. Required by GCs and Homeowners.
Tools & Equipment
Protects your livelihood. Theft coverage for tools in your truck or on site.
Commercial Auto
Work trucks and vans. Personal auto policies often DENY business claims.
Pro Tip: Most contractors save money by bundling General Liability with "Inland Marine" (Tools & Equipment) into a single policy package.
Specialized Contractor Coverages
Fill the gaps in your protection.
General Liability vs. Surety Bonds
Contractors often confuse these. Insurance protects you. Bonds protect your client. You usually need both to get licensed.
The Breakdown:
Covers Accidents & Negligence.
Example: You drop a hammer and break a customer's tile floor.
Covers Fraud & Contract Failure.
Example: You take a deposit and never finish the job.
Estimated Monthly Costs
Contractor premiums depend on your trade (roofing is higher risk than painting) and your payroll.
General Liability
$1M / $2M Limits
Standard coverage required by state licensing boards and GCs.
Inland Marine
$10k Coverage
Protect your tools from theft (from truck or jobsite).
Workers Comp
Per Employee
Rates vary by state and trade class code (e.g., Roofer vs. Painter).