Which carriers actually want contractor business? GL, workers comp, commercial auto, inland marine, and builder's risk — ranked by agents who write this niche daily.
Most contractors need at least 3–4 coverage types. Here's what to quote and why each matters.
Covers third-party bodily injury and property damage. Required on virtually every jobsite and subcontract agreement. Limits typically $1M/$2M.
Required in nearly all states if you have employees. Covers medical bills and lost wages for on-the-job injuries. Rates vary dramatically by trade classification code.
Covers tools, equipment, and materials in transit or at jobsites. Standard property policies usually exclude mobile equipment. Essential for any trade using power tools.
Covers work trucks and vans. Personal auto policies exclude commercial use. Fleet discounts available for 5+ vehicles at most carriers.
Covers buildings under construction against fire, wind, theft, and vandalism. Usually required by GCs on projects over $100K. Written per-project or as a blanket policy.
Covers design errors and faulty workmanship claims. Important for architects, engineers, and design-build contractors. Not all GL policies cover completed operations adequately.
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