Contractor Insurance: Complete Coverage for Your Trade

As a contractor, you face unique risks on every job site. The right insurance program protects you from third-party injury claims, property damage, employee injuries, and tool theft — and keeps you compliant with licensing requirements.

Essential Contractor Coverages

General Liability — required for most contracts and licenses
Workers' Compensation — legally required with employees
Commercial Auto — work trucks and vehicles
Inland Marine / Tools — portable tools and equipment
Umbrella — additional liability limits above your GL
Surety Bonds — bid, performance, and payment bonds

Coverage by Trade

Trade	Key Risks	Typical Annual Cost
Electrician	Fire, shock injury	$1,500–$4,000
Plumber	Water damage, mold	$1,200–$3,500
HVAC	Property damage, refrigerant	$1,500–$4,000
Painter	Falls, property damage	$800–$2,500
General Contractor	Subcontractor liability	$2,000–$6,000
Landscaper	Equipment injury, property	$1,000–$3,000

Why Contractors Choose Insura

We work with carriers that specialize in contractor risks and understand your trade's unique exposures. Get competitive quotes, same-day certificates, and coverage that meets your license and contract requirements.