Insurance that holds up on every job site
Property damage, injured subs, stolen tools, and contract requirements — general contractors carry serious exposure. We connect you with construction specialists who build coverage around your work.
What contracts, licensing & lenders require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- General liability — nearly every contract and GC demands a certificateRequired
- Workers' comp for your crew, required in almost every stateRequired
- Additional-insured endorsements naming the owner, GC, or lenderRequired
Licensed General Contractor Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What general contractors need to be covered
General contractors are responsible for the whole job site — including the mistakes of subcontractors. One accident or defect claim can dwarf a project's profit. The right program keeps you compliant with contracts, licensing, and lenders.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Where general contractors get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksThird-party property damage
Damage to a client's property during a build is one of the most common construction claims. General liability responds to these costs.
Injured workers & subcontractors
Falls, tool injuries, and heavy lifting make construction high-risk. Workers' comp covers medical costs and lost wages for your crew.
Stolen or damaged tools & equipment
Job-site theft is rampant. Contractors' equipment (inland marine) covers tools and gear on-site, in transit, and in storage.
Faulty work & completed-operations claims
Defect claims can surface long after a job wraps. Products-completed operations coverage protects you after the work is done.
Why general contractors can't skip coverage
- General contractors are typically contractually and legally required to carry general liability and workers' comp — and to collect certificates from subs.
- Licensing boards in many states require proof of insurance to hold or renew a contractor's license.
- Lenders, GCs, and property owners won't let you on the site without a certificate of insurance naming them as additional insured.
By the numbers
Nearly all
GCs required to show COIs
$12K
Avg. tool theft claim
100+
Specialists for trades
General Contractors insurance FAQ
The core is general liability plus workers' comp, usually with contractors' equipment (inland marine), commercial auto, and often an umbrella for large-project requirements. We tailor limits to your contracts.
Get matched with a general contractor specialist
Share a few details and a licensed agent who understands general contractors will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state