Complete Contractor Insurance Package
Workers Comp + General Liability + Equipment Coverage in one affordable bundle. Everything contractors need to meet contract requirements and protect their business.
What's included in the contractor insurance bundle?
The contractor insurance bundle includes three essential coverages in one package: (1) Workers Compensation insurance to cover employee injuries and meet state requirements, (2) General Liability insurance to protect against third-party bodily injury and property damage claims, and (3) Inland Marine (Equipment) insurance to cover your tools, equipment, and materials. Bundling saves you 10-15% compared to buying each policy separately, and you get one renewal date, one agent, and one streamlined claims process.
Why Contractors Choose the Bundle
Insurance carriers reward bundling with multi-policy discounts. You'll pay less than buying each coverage separately while getting the same protection.
General contractors require Workers Comp + GL certificates. The bundle ensures you have everything needed to bid on jobs and work on commercial sites.
Simplify your insurance management. One renewal date, one payment, one point of contact. No juggling multiple carriers and renewal dates.
Most contractors have $20,000-$100,000+ in tools and equipment. Inland Marine coverage protects against theft, damage, and loss—even off your property.
What's Covered in the Bundle
Workers Compensation Insurance
Covers employee medical bills, lost wages, disability benefits, and death benefits if an employee is injured on the job. Required by law in AL, GA, TN for contractors with employees. Protects you from employee lawsuits.
- ✓ Medical bills (100% coverage, no deductible)
- ✓ Lost wages (2/3 of average weekly wage)
- ✓ Disability benefits (temporary or permanent)
- ✓ Death benefits ($7,500 funeral + ongoing payments)
- ✓ Legal defense against employee lawsuits
General Liability Insurance
Protects against third-party bodily injury and property damage claims. Required by general contractors and property owners. Covers legal defense, medical bills, property repairs, and settlements—even if you're not at fault.
- ✓ 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
Covers your tools, equipment, materials, and supplies against theft, damage, and loss—whether on the job site, in your truck, or at your shop. Essential protection for the thousands of dollars contractors invest in equipment.
- ✓ Power tools, hand tools, specialty equipment
- ✓ Materials and supplies at job sites
- ✓ Equipment in your truck or trailer
- ✓ Theft from job sites or vehicles
- ✓ Accidental damage and mysterious disappearance
Progressive Platinum Agent
Exclusive access to Progressive's Commercial Contractor Policy
As a Progressive Platinum Agent, we offer exclusive access to Progressive's Commercial Contractor Policy—a specialized package designed specifically for contractors that includes built-in equipment coverage.
Progressive Commercial Contractor Policy Includes:
- General Liability with contractor-specific coverage enhancements
- Equipment Coverage (Inland Marine) built into the policy
- Competitive pricing with multi-policy discounts
- Fast claims processing through Progressive's contractor-focused team
Not all agents have access to Progressive's Commercial Contractor Policy. As a Platinum Agent, we can bundle this with Workers Comp from top carriers to create a complete, cost-effective contractor insurance package.
Bundle Pricing Examples
1-3 employees, $150K revenue
Save $750/year (15%)
5-10 employees, $500K revenue
Save $1,600/year (10%)
Note: Pricing varies by trade, payroll, claims history, and coverage limits. These are examples only. Contact us for an accurate quote based on your specific business.
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
Save 10-15% with bundled contractor insurance. One quote, one agent, complete protection.
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