Complete Contractor Insurance Package
Compare liability, workers compensation, equipment, and vehicle coverage for your trade. Your policies may come from one or more carriers.
What's included in the contractor insurance bundle?
Contractors commonly compare general liability, workers compensation, tools and equipment, and commercial auto coverage. Which policies you need depends on your trade, employees, vehicles, and contract terms. A coordinated insurance plan may involve separate carriers, payments, claims processes, and renewal dates. Ask for the total cost and coverage terms before choosing.
Why Coordinate Contractor Coverage?
A package may qualify for a discount, but separate policies can be a better fit. Compare premiums, limits, deductibles, and exclusions side by side.
Send us the insurance section of your contract. We can review the requested limits, endorsements, and certificate requirements before you accept a job.
An agent can help coordinate your policies and renewal review. Billing, claims, and renewal dates still depend on each carrier and policy.
Tell us where your tools travel and are stored. Equipment coverage can address covered theft or damage, subject to the policy's limits and exclusions.
Coverages to Consider
Workers Compensation Insurance
May provide medical and wage benefits for covered work injuries. State requirements differ, especially for construction work; confirm your obligations before work begins.
- ✓ Covered medical expenses
- ✓ Wage replacement, subject to state rules
- ✓ Disability benefits (temporary or permanent)
- ✓ Death benefits when applicable
- ✓ Employer liability coverage, subject to policy terms
General Liability Insurance
May cover eligible third-party bodily injury and property damage claims, including defense costs, subject to policy terms. Check your contracts for required limits and endorsements.
- ✓ Bodily injury to customers, property owners, visitors
- ✓ Property damage you cause to client property
- ✓ Legal defense costs (even frivolous lawsuits)
- ✓ Medical payments (no-fault coverage)
- ✓ Advertising injury (copyright, slander)
Inland Marine (Equipment) Insurance
Coverage for tools, equipment, and materials can follow them to eligible job sites or vehicles. Confirm where coverage applies, theft conditions, limits, and exclusions.
- ✓ Power tools, hand tools, specialty equipment
- ✓ Materials and supplies at job sites
- ✓ Equipment in your truck or trailer
- ✓ Theft from job sites or vehicles
- ✓ Covered accidental damage, subject to policy terms
Is Coordinated Contractor Coverage Right for Your Business?
A contractor insurance plan should reflect the work you actually perform, the property you handle, and the requirements in your contracts. General liability, workers compensation, equipment, and commercial auto may be placed together or separately. Compare the total cost and coverage terms before choosing.
Alabama generally requires workers compensation at five or more employees, with a special rule for on-site construction of new single-family detached homes. Tennessee construction rules and Georgia's three-employee threshold differ. A project owner may also require coverage by contract even when state law does not. Review your trade, employee count, and project before relying on a general rule. See the Alabama Department of Labor, Tennessee Bureau of Workers' Compensation, and Georgia State Board for current requirements.
General liability can help with covered third-party injury or property damage claims. For example, a ladder could damage a client's property. Ask whether your operations, subcontractors, and completed work are covered under the terms offered.
Tools and equipment coverage can be useful when gear moves between a shop, vehicle, and job sites. Ask which locations and causes of loss are covered and whether a schedule, sublimit, or deductible applies.
What to Compare in Each Contractor Quote
A lower combined premium only helps if the policies cover your actual work. Ask your agent to show the terms behind each option.
Your operations
List every trade, subcontracted task, and service area. Check that each operation is eligible and accurately described.
Contract terms
Bring the required limits and endorsement wording. A certificate alone does not change the underlying policy.
Tools and vehicles
Compare equipment limits, theft conditions, vehicle use, and where property is covered.
Total cost and service
Review each premium, deductible, billing schedule, carrier, renewal date, and claims contact.
Who Needs the Contractor Bundle?
General Contractors
Manage multiple subs and need comprehensive coverage to protect your business and meet contract requirements.
Specialty Contractors
Electricians, plumbers, HVAC, roofers, framers—any trade working as a subcontractor on commercial sites.
Growing Contractors
Hiring your first employees and need to meet state requirements while protecting your investment in tools and equipment.
New to Contractor Insurance?
Don't make the same costly mistakes other new contractors make. Learn the 5 most common insurance mistakes and how to avoid them before bidding your first job.
Read: 5 Insurance Mistakes New Contractors MakeGet Your Contractor Bundle Quote
Tell us about your trade, vehicles, employees, and contract requirements so we can compare suitable coverage and costs.
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