Contractors Insurance

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Contractors insurance protects you, your tools, your employees, and your business from accidents, property damage, lawsuits, and job-site risks. Whether you’re a solo contractor or managing multiple crews, the right coverage is essential for keeping your business compliant and protected.

We proudly provide contractors insurance across New York, New Jersey, Connecticut, and Florida.

🛡️ What Contractors Insurance Covers

✔ General Liability

Covers injuries, property damage, and legal costs resulting from your business operations.

✔ Contractor’s Tools & Equipment

Protects tools, machinery, and equipment from theft, damage, or loss — on the job or in transit.

✔ Commercial Auto

Coverage for work trucks, vans, and vehicles used for business purposes.

✔ Workers’ Compensation

Required if you have employees. Covers medical bills, lost wages, and liability for workplace injuries.

✔ Commercial Property

Covers offices, workshops, storage units, and equipment storage locations.

🧰 Types of Contractors We Insure

✔ General Contractors

Residential, commercial, renovation, and construction managers.

✔ Electricians

Coverage for job-site risks, tools, and property damage.

✔ Plumbers & HVAC Contractors

Protection from water damage, system failures, and tool theft.

✔ Carpenters & Framers

Coverage for equipment, injury liability, and job-site accidents.

✔ Roofers

Specialized protection for high-risk trades.

✔ Painters & Flooring Contractors

Coverage for spills, damage, and property claims.

✔ Landscapers & Tree Services

Includes property damage, equipment liability, and commercial auto.

⚙️ Optional Coverages for Contractors

✔ Inland Marine Insurance

Portable tools and equipment protection — ideal for contractors constantly on the move.

✔ Builder’s Risk

Covers buildings under construction, including materials, supplies, and fixtures.

✔ Installation Floater

Protects materials from the time you purchase them until they are installed.

✔ Umbrella Liability

Provides an extra layer of protection above your primary policies.

✔ Employment Practices Liability (EPLI)

Covers hiring, firing, discrimination, and harassment claims.

💲 How Much Does Contractors Insurance Cost?

Your premium depends on:

  • Trade type
  • Business size
  • Number of employees
  • Payroll
  • Tools & equipment value
  • Job-site risk
  • Claims history
  • State requirements

We shop multiple carriers to secure the best pricing for your specific trade.

⭐ Why Choose Our Agency?

🔹 Coverage Tailored to Your Trade

We design policies for electricians, plumbers, carpenters, landscapers, GCs, and more.

🔹 Top Commercial Carriers

We partner with national insurers specializing in contractor coverage.

🔹 Competitive Pricing & Bundle Discounts

Save by bundling liability, workers’ comp, and commercial auto.

🔹 Fast Certificates of Insurance (COIs)

Get job-site COIs fast so you can start work immediately.

🔹 Multi-State Contractor Expertise

We understand requirements across NY, NJ, CT & FL — including contractor licensing and insurance minimums.

🌎 Areas We Serve

We proudly provide Contractors Insurance in:

New York:
Long Island • Nassau & Suffolk County • NYC • Westchester • Upstate NY

New Jersey:
North, Central & South Jersey

Connecticut:
Fairfield County & surrounding areas

Florida:
Miami-Dade • Broward • Orlando • Tampa • Juniper • Palm Beach • Ford Lauderdale • Other nearby regions

📝 Frequently Asked Questions

Often general liability and workers’ comp (if you have employees). Some states require contractor bonds or commercial auto.

Yes. Most general contractors require their subs to carry their own policies.

No — tools and equipment require inland marine coverage.

It protects buildings under construction, including materials, fixtures, and supplies.

Yes — COIs are required for most construction jobs and property management companies.

📞 Get a Free Quote

Protect what matters most with coverage you can count on.

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