Contractors Insurance

Contractors insurance is coverage that can protect your business from devastating financial debts that can result from work-related accidents. It’s important to protect your livelihood with adequate coverages and limits that match your exposure in case your business is threatened.


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+ 1 (281) 592-7506

Contractors, Subcontractors and Independent Tradesman

Protect against things like lawsuits and other liabilities with contractors insurance through the Progressive Advantage® Business Program. Our team of experts can work with your budget to help you secure customized commercial auto and business insurance policies.

Who needs it?

Contractors, subcontractors and independent tradesman should carry commercial insurance. It not only protects your business, but it’s often a requirement by many employers before you can start working for them. Common trades that need contractors insurance include:

  • Construction
  • Carpenter
  • Plumber
  • Electrician
  • Landscaper
  • Painter
  • Handyman
  • Heating & Air
  • Mason
  • And more!

It’s always good to have insurance in case of mishaps, even if you don’t contractually need coverage.

How much does it cost?

One of the most influential factors that affects your contractors insurance cost is the type of work that’s involved in your specific trade. For example, a roofing contractor is exposed to risks that an HVAC technician isn’t, and vice versa. Therefore, you could expect their rates to differ.

Other factors that affect the cost of contractors insurance are employees, coverage needs, vehicles, location and claims history.

Customizing a quote to match your specific business is the only way to know you’re getting an accurate rate and enough coverage.

Basic coverages

General Liability: Typically needed before a contractor can begin work on a job. It could cover you if your business is liable for things like injuring people, damaging property or for faulty work.

Commercial Auto: Protection for vehicles used for work or to transport tools and other contractor materials. You have the choice to cover attached equipment such as ladder racks and permanently attached tool boxes. Individual tools and materials usually aren’t covered under this policy.

Other coverages contractors might need

Business Owners Policy (BOP): Packages contractors liability and coverage for personal property and commercial buildings into one policy.

Workers’ Compensation: Protects if your employees become ill or injured while at work.

Common questions

What does contractors insurance cover?
Contractors insurance usually covers business liability exposures, such as injuries or damage to a client’s property for which your business is responsible. This is covered by general liability insurance, an essential part of a contractors insurance policy. Contractors insurance can also extend to cover your business’s vehicles and employees, depending on the coverages selected.

What’s the difference between a certificate holder and an additional insured?
A certificate holder is simply the business or contractor that carries the coverages as described on the certificate of insurance. An additional insured is another business or contractor that’s also listed on the certificate holder’s insurance policy.

What kind of insurance should a contractor have? 
While some companies offer a “one-size-fits-all” contractors insurance policy, we know every contracting business is unique. That’s why our insurance experts will work with you to customize a policy just for your business, so you only pay for coverages you need.

Are contractors required to have insurance?
While business insurance may not be required by law, without insurance you could be held personally liable for a mistake on the job. Additionally, before bidding or taking on a job, you may be required to show proof of insurance.

Do I need workers’ compensation insurance if I’m an independent or self-employed contractor?
In most cases, independent and self-employed contractors aren’t required to carry workers’ compensation insurance. However, it may be required in certain jurisdictions or to fulfill a contract.

Texas is big! It’s filled with diverse people, environments, weather, and homes. With so many different ways to live, your insurance needs to be flexible enough to cover the way you live. Kelley Insurance Agency, offers a variety of customizable property and liability insurance products, coverages, and endorsements. Our staff is here to help when you are considering our Artisan Contractors Insurance coverages.

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