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contractors insurance

Protection with Contractor Insurance

Your contracting business takes plenty of hard work and smart planning — the last thing you have time to think about is your insurance coverage. That’s why we’re here. When it comes to protecting your business dream, we’re focused on doing the heavy lifting for you.

Our insurance program for contractors is designed to protect your business with custom-tailored policies that are easy to understand. And we can even provide you with certificates of insurance to verify proof of insurance to your customers.

Types of Contractor Insurance

We understand that each trade contractor’s business needs are different — from landscapers to plumbers, janitors to painters — and everywhere in-between. That’s why we offer a range of coverages that you can mix and match to fit your business’ specific needs.

Medical expense coverage

No matter who’s liable, this coverage provides for the cost of medical care for injuries that takes place where you’re doing business. If someone at your place of business sustains injuries resulting from a covered accident, this coverage can help protect against financial losses.

Building and business personal property coverage

If you building or business’ personal property is damaged, this coverage helps you get things repaired and replaced as quickly as possible. We also have inland marine coverage available for your equipment and tools in addition to the materials that you are installing for your customers. You’ll have coverage for many of the items that you take out on the job with you.

Workers compensation and employers liability coverage

This policy helps you make sure you're meeting the insurance needs required by your state's workers compensation laws and regulations. And, it offers protection for your business if you are sued by an employee due to a job-related injury or illness.

Business liability coverages

Liability coverage makes sure you’re protected from bodily injury, property damage or personal injury expenses that might arise from the operations of your contractor business.

Commercial umbrella insurance

This policy provides additional protection beyond that of your primary general liability coverage, to give you extra security against legal and financial judgements levied against your business.

What Types of Contractors are Covered?

Because the insurance cost for contractors is dependent on many factors, your agent will need to gather information about your business in order to provide you with the best value for the protection you need. You’ll have great independent contractor liability insurance that can help protect your business from serious financial losses.

Here are a few types of contractors covered under contractor insurance:

  • Handyman
  • Painter
  • Janitorial
  • Housekeeper
  • Construction
  • Landscaper
  • Floor Installation
  • Masonry
  • Electrician
  • Carpenter
  • Plumber
  • Pressure Washer
  • Heating & Air

How Much Is Contractor Insurance?

There are many factors that go into quoting your contractor insurance cost. The physical location of your place of business can impact your premium, and there are other key details that can adjust the pricing. The number of employees, and the total cost of your business’ equipment, supplies and materials can also play a key role in determining independent contractor insurance costs. Contractor liability insurance quotes follow those same general rules as well.

Not sure what coverages are right for you and your business? An American Family Insurance agent is ready to help you with your unique situation.

These summaries represent only a brief description of select coverages. Coverage features and limits vary by state. And some products are not available in every state.

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