Contractor coverage, explained
Most tradespeople build their insurance from a few of these six pieces. Here is what each one pays for and who needs it.
General liability
Pays for injuries and property damage you cause to other people.
Every trade. Most clients and GCs ask for it before you start.Workers comp
Pays medical bills and lost wages when an employee gets hurt on the job.
Anyone with employees. Most states require it once you hire.Commercial auto
Covers trucks and vans you use for work, and the damage they cause.
Trades that haul tools, materials, or crew to job sites.Tools & equipment
Replaces tools and gear that get stolen, lost, or damaged.
Anyone whose kit would hurt to replace out of pocket.License & surety bonds
A guarantee to your customer or the state that you will follow the rules and finish the work.
Trades in states or cities that require a bond to get licensed.Business owners policy
General liability and business property bundled together, usually for less.
Trades with a shop, office, inventory, or gear worth protecting.Ready to compare your options?
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