General Liability
Covers third-party bodily injury and property damage from your work.
Read the General Liability guideWhat contractor insurance covers
Contractors carry a stack of policies that follow crews, tools, and structures from jobsite to jobsite.
What insurance does a contractor need?
A contractor typically carries General Liability, Workers Compensation, and Commercial Auto, plus Inland Marine for tools and equipment, Builder's Risk on active projects, and Surety Bonds for licensing and public work. Larger jobs and design-build work often add Umbrella and Professional Liability.
- Coverage lines
- 10
- Priority tiers
- Core · Recommended · Situational
- Placed across
- 60+ carriers
Trusted by 60+ carrier partners
Core
Coverage nearly every contractor carries
Workers Compensation
Pays medical bills and lost wages for injured crew members.
Read the Workers Compensation guideCommercial Auto
Covers the trucks, vans, and trailers moving between jobsites.
Read the Commercial Auto guideInland Marine
Inland marine covers tools and equipment in transit or at jobsites.
Read the Inland Marine guideBuilder's Risk
Protects structures under construction from fire, theft, and weather.
Read the Builder's Risk guideSurety Bonds
Performance, payment, and bid bonds for licensing and public projects.
Read the Surety Bonds guideRecommended
Coverage most growing contractors add
Umbrella / Excess
Adds higher limits above your general liability, auto, and workers comp.
Read the Umbrella Insurance guideProfessional Liability
Covers design errors, project management mistakes, and consulting failures.
Read the Professional Liability guideSituational
Coverage for specific trades and exposures
Hired & Non-Owned Auto
Covers crews driving personal or rented vehicles for work.
Read the Hired & Non-Owned Auto guidePollution Liability
Covers cleanup and claims from spills, dust, or hazardous materials.
Read the Pollution Liability guideBy segment
How the stack shifts by contractor type
Every contractor carries the core lines. Which recommended and situational lines matter depends on the operation.
CoreRecommendedSituational
Focus on the work.
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