Contractor's Insurance

Highlights and Benefits of Our Coverage

Regardless of the industry, we offer Comprehensive Coverage and other additional benefits to ensure you’re fully protected from whatever comes your way.

Business Owner Policies

These policies include General Liability, Theft, Property, Business Interruption, and Tools and Heavy Equipment coverage — all of which are essential for most contractors. Whether you’re a landscaper, plumber, or electrician, you need to protect your business and your equipment from unforeseen circumstances.

Stand-alone General Liability

Stand-alone liability coverage is a perfect fit for contractors who don’t need other coverages that are typically bundled with General Liability. This coverage provides protection against a variety of third-party claims related to bodily injury, property damage, and personal and advertising injury. As contractors, there’s always a risk of property damage when working in client’s homes, as well as the risk of injury. It’s important to protect yourself, employees, and your clients.

Workers’ Compensation

Workers’ compensation coverage safeguards your employees, providing financial support for work-related injuries or illnesses. It fosters a secure work environment, ensuring employees’ well-being and promoting employer responsibility. California law requires employers to carry workers’ compensation insurance, even if the business only has one employee. Furthermore, by 2026 all construction contractors in California will be required to obtain a Workers Compensation insurance policy even if they do not have any employees

Contractor’s Bonds

Contractor’s bonds help instill confidence in project owners and other stakeholders that the contractor is financially capable and committed to fulfilling their contractual obligations. These bonds are typically required for public construction projects and are often specified in the bidding documents. Private project owners may also require bonds to mitigate risks associated with construction projects.

Commercial Auto

Commercial auto coverage is vital, as it shields businesses from financial losses due to accidents involving company vehicles. It protects assets and ensures liability protection. This kind of coverage is essential for any business that uses company vehicles as a part of its daily operations. If you drive a truck with your equipment to service your customers, you’ll need commercial auto coverage.

Employment Practices Liability Insurance

This coverage is crucial for businesses to shield against costly lawsuits related to employment issues and protects your reputation, finances, and fosters a fair and compliant workplace. This coverage is beneficial for businesses of any size, regardless of the industry, and is available for inclusion in a package, or as a stand-alone policy.

Cyber Liability & Data Breach Expense Insurance

This coverage is essential in today’s digital landscape, and it protects businesses from financial loss and reputational damage caused by cyber-attacks and data breaches. This coverage protects not only you but the people you serve in your business. Whether you operate business online or not, this coverage is essential.

Errors & Omissions/Professional Liability Insurance

This coverage shields professionals from financial repercussions due to perceived mistakes or negligence, ensuring business continuity and client trust. This coverage can be included with many types of business owner policies and is available separately if desired. This coverage is beneficial for all contractors, regardless of the industry.

Additional Benefits

In addition to our Comprehensive Coverage, we offer the following benefits:

• Replacement Cost Coverage on Tools & Equipment - If you use tools in your day-to-day operations, this coverage is essential, as it provides coverage for the cost of replacing lost, damaged, or stolen tools and equipment.
• Contractor’s Errors and Omissions coverage - This coverage protects contractors against claims arising from errors, omissions, or negligent acts related to their professional services.
• Rented Equipment coverage - If you ever need to rent a piece of equipment, the rental company is going to offer you insurance on the tool or equipment you rent. We can include this coverage in your policy for a fraction of their cost. This coverage protects from damage, loss, or theft of any rented equipment.
• Employee Tools coverage - If your employees use their own equipment on the job, this coverage protects their tools against damage, loss, or theft.
• Pollution coverage - Pollution coverage is designed to protect businesses from the financial consequences of pollution-related incidents. This coverage is particularly essential for contractors that operate in the construction industry. This coverage provides coverage for bodily injury, property damage, clean-up costs, and legal expenses.

Let us build you a policy that fully protects your business. Contact us for a quote!