Contractor Insurance
We help Florida contractors and skilled trades understand their insurance options, compare available insurers, and request a quote.
What contractor insurance may include
Contractors face risks on the job site, with tools and equipment, with work vehicles, and with employees. Coverage is often built from several policies, such as general liability, commercial property or tools and equipment coverage, commercial auto, and workers' compensation. Which coverages you need, and which are required, depends on your trade, your contracts, whether you have employees, and the insurance company.
Compare common contractor coverages
What it generally addresses
General liabilityClaims that your work caused injury to others or damage to their property.
Tools and equipmentTools and equipment that are damaged, lost, or stolen, subject to policy terms.
Commercial autoVehicles used for your business and the claims that can arise from using them.
Workers' compensationMedical costs and lost wages for employees injured on the job, where required or applicable.
Why work with an independent agent
An independent agency is not tied to a single insurance company.
More than one option
We can review options from the insurance companies we work with, so you can weigh coverage, limits, and fit. Available options depend on your trade and insurer underwriting.
Coverage explained
We walk through what is included, what is excluded, and what the deductibles mean before you choose.
Support as your work changes
New jobs, new employees, or new equipment can change your coverage needs. We can help you review your policies when your business changes.
Contractor insurance questions
What insurance do contractors typically carry?
Many contractors carry general liability, and depending on their work they may also carry coverage for tools and equipment, commercial auto, workers' compensation, and other policies. An agent can help you see how these fit together for your trade.
Do I need contractor insurance to get work?
Clients, general contractors, and licensing or permitting requirements often ask for proof of coverage. Requirements vary by trade, project, and location, so check your contracts and ask an agent what may apply to you.
Does contractor insurance cover my tools and equipment?
General liability does not usually cover your own tools and equipment. They are typically covered by separate commercial property or tools and equipment coverage, subject to policy terms and limits.
What affects the cost of contractor insurance?
Insurers commonly consider your trade, the type of work, revenue, number of employees, claims history, and the limits and deductibles you select. We cannot give a price before a quote is prepared.
How do I get a contractor insurance quote?
Complete the quote request form or contact us, and an agent will follow up to learn about your work and review options. Quotes and coverage are subject to underwriting and the terms of the insurance company.
Ready for a contractor insurance quote?
Tell us about your trade and your business and an agent will help you review your options.