Business insurance
Contractors face different risks depending on their trade, projects and employees. Discuss the operation and compare the policy terms that may apply.
Understanding your options
Contracting work can involve liability claims, employees, vehicles and equipment. These exposures are not necessarily covered by the same policy, so compare the written terms for the actual work your business performs.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
A commercial general liability policy may address covered claims for bodily injury or property damage to others. The trade, operations, limits, exclusions and endorsements matter. Ask how the policy treats subcontractors, completed work and specific project requirements.
Workers’ compensation, business auto and protection for tools or equipment address different risks. Discuss each separately and review any requirements that apply to the project. General liability does not replace workers’ compensation coverage.
Describe your trade, typical projects, locations, employees and subcontractors. Identify contract requirements and the equipment or vehicles you use. Coverage is subject to insurer eligibility, policy terms and exclusions; a quote request does not start coverage.
Before you reach out
Common questions
It may cover certain third-party bodily injury and property damage claims, subject to the policy’s terms, limits and exclusions. It does not cover every loss related to a project.
No. Workers’ compensation addresses a different risk and is not provided by a standard general liability policy. Review your operations and applicable project requirements with an agent.
Do not assume they are. Ask about separate equipment and business auto coverage, including where tools are kept or transported and how vehicles are used.
Bring a high-level description of your work, project locations, employees, subcontractors and any contract requirements. Do not send policy numbers or sensitive documents in your first website message.
Start a conversation
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.
