Contractor insurance that actually covers what you build
Whether you just pulled your first permit or you're bidding major projects, we shop 35+ construction insurance carriers to find the right coverage at a price that makes sense. You focus on the job. We handle the risk.
Why contractors switch to Coverwatch
01 - Lower Premiums, Better Coverage
We Shop 35+ Carriers For You
Most brokers quote two or three carriers. Your risk profile goes to 35+ and they compete for the business. That spread makes a real difference at renewal.
02 - COIs in Hours, Not Days
Never Lose a Bid to Paperwork
A GC needs your COI by end of day or you lose the job. Quotes in 24-48 hours, certificates on demand. Your broker should never be the bottleneck.
03 - Coverage That Keeps Up With Your Growth
No Year-End Audit Surprises
Hired three new crews? Took on a bigger project than last year? Your exposure changed, but your policy probably didn't. Coverage gets adjusted throughout the year so audit time is uneventful.
How we protect your construction business
Audit Your Coverage & Map Your Risk
Policies / Risk Assessment
Risk Assessment
Overall Score
Coverage Gaps
2
Policies
4
Risk Exposure by Category
General Liability
Workers Compensation
Equipment & Tools
Project Delays
Recent Activity
We start with a complete picture of your risk
Before we shop a single carrier, we make sure you understand where you stand.
Policy audit
Your current policies reviewed for gaps, redundancies, and areas of over- or under-insurance across trades and states.
Market benchmark
What you’re paying compared to contractors at your revenue level and trade for equivalent protection.
Risk plan & recommendations
A clear report with findings and a recommended path forward: adjust coverage, shop rates, add a surety bond program, or all three.
The risks contractors actually face
Your broker should understand every one of these. And have a plan for each.
Jobsite injuries
Construction has one of the highest injury rates of any industry. A single fall from height or struck-by incident can generate six-figure medical claims and OSHA fines.
Property damage to client structures
A subcontractor damages existing plumbing during a remodel, or a crane operator drops material onto a neighboring building. Your GL covers this, but only if your limits are right.
Defective workmanship claims
A roof leaks two years after completion. A foundation cracks. These completed-operations claims can surface years after the job is done.
Tool & equipment theft
The National Equipment Register estimates $300M–$1B in construction equipment is stolen annually in the U.S. Jobsite theft can halt a project overnight.
Contract & lien disputes
Payment disputes, scope disagreements, and mechanic’s liens are routine in construction. Legal defense alone can cost $50K+ before a case goes to trial.
Environmental liability
Disturbing asbestos during a renovation, a fuel spill from equipment, or stormwater violations can trigger EPA fines and cleanup costs that standard GL won’t cover.
Every trade. Every stage.
Construction insurance for contractors at every phase of growth.
New Contractors
Just got your license? Many carriers won't write new businesses. We know which ones will.
Growing Contractors
Adding crews, pulling bigger permits, expanding to new states. Your policy probably hasn't kept up. Time to right-size before the audit.
General Contractors
Managing subs, carrying the liability, juggling COI requirements. Programs built around your project mix with certificates that flow on demand.
Electricians
Arc flash, fire risk, and code violation claims make electrical one of the harder trades to insure. Carriers that specialize here price it fairly.
Plumbers & HVAC
Water damage from a bad fitting can cost six figures. HVAC installs carry their own liability profile. The right carrier matters here.
Roofers
Height risk, fall exposure, and completed-operations claims years after the job. Roofing premiums run high, but the spread between carriers is wide.
Residential Remodelers
Working in occupied homes means higher liability. One water damage claim can wipe out a year of profit. Coverage needs to be sized for renovation-specific risks.
Painters & Flooring
Lower physical risk but still exposed to property damage, VOC claims, and slip-and-fall liability. Lean policies that meet GC requirements without overpaying.
Subcontractors
GCs require specific limits and additional insured endorsements before you set foot on site. Your policy needs to meet every spec.
Construction insurance, policy by policy
Every policy a contractor needs, shopped across the full market.
Need coverage not listed here? Let's talk about your specific exposures.
Contractor insurance across the U.S.
Every state has different licensing and insurance requirements. We know them all.
California
CSLB requires a $25K surety bond for all licensed contractors. Workers comp expanding to cover all licensees by 2028 under SB 1455.
Texas
No state contractor licensing or mandatory workers comp, but most GCs and project owners contractually require both.
Florida
Construction employers must carry workers comp even with just one employee. Hurricane exposure drives unique wind coverage requirements.
New York
Labor Law §240 (“Scaffold Law”) creates absolute liability for gravity-related injuries. Strict additional insured endorsement requirements on COIs.
Georgia
Workers comp required with 3+ employees. Residential and general contractor licensing handled at the state level.
Ohio
Monopolistic workers comp state. All WC must be purchased through the Ohio Bureau of Workers’ Compensation, not private carriers.
Illinois
Chicago and Cook County require proof of GL insurance for all contractor permits. Strict rules on additional insured endorsements.
North Carolina
General contractors must be licensed through the NC Licensing Board for projects over $30,000. Workers comp required for 3+ employees.
Focus on the job site.
We'll be your risk team.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
Common questions about
contractor insurance
It depends on your trade, revenue, number of employees, claims history, and the states you operate in. A small residential sub might pay $3,000–$8,000/yr total. A mid-size GC with 20 employees could pay $30,000–$80,000/yr across all lines. We’ll give you a clear breakdown in our free coverage review.
At minimum: general liability, workers compensation (if you have employees), and commercial auto (if you have company vehicles). Most GCs also need an umbrella policy, builder’s risk for active projects, and surety bonds for public work. We’ll build a program that matches your specific operations.
We shop 35+ carriers, including specialty construction markets, instead of placing you with one or two. We also turn COIs in hours, not days. Most brokers charge a percentage of your premium. We charge a flat fee, so we’re incentivized to lower your cost, not increase it.
Generally, no. Your GL policy covers claims arising from your operations, but each sub should carry their own GL and workers comp. If an uninsured sub causes an injury or damage, the claim often flows uphill to the GC. We help you set and verify sub insurance requirements.
If you do public or government work, yes. The federal Miller Act and most state "little Miller Acts" require performance and payment bonds. Many states also require a contractor license bond (California requires $25K, for example). Even for private work, bonds can help you win bids.
We analyze your current policies, map your risk profile across every trade and state you operate in, identify gaps or redundancies, benchmark your premiums against similar contractors, and deliver a clear risk plan with recommendations. No cost, no obligation.