Contractor insurance protects tradespeople and construction businesses from the financial risks of the job — property damage, injuries, faulty work claims, and more. Whether you are a sole operator or run a crew, the right coverage keeps a single incident from threatening your livelihood.
What Contractor Insurance Covers
Coverage is usually built from several parts: commercial general liability (third-party injury and property damage), tools and equipment coverage, and often completed-operations coverage for claims arising after a job is finished. Builders’ risk and commercial auto can be added depending on your work.
Who Needs It
General contractors, electricians, plumbers, HVAC technicians, roofers, renovators, and other trades all benefit — and many clients, general contractors, and municipalities require proof of liability coverage before you can start work.
How a Broker Helps
NavInsurance tailors a package to your trade and the contracts you bid on, and compares insurers for the right fit. See our commercial insurance page or request a free quote.