📞 CALL - (800) 540-8321
General Contractors Business Insurance
Whether you’re running a small contracting outfit or managing large-scale construction operations, your business faces real-world risk — from the ground up.
We design insurance coverage that fits how you actually work — on-site, on-call, and under pressure.
🧠 Serving builders, contractors, and trades abroad!
Secure your Operation with Workers Insurance
🛡️ General Liability Insurance for Contractors
Covers third-party injuries or property damage. If someone gets hurt or something breaks on your job site, GL pays for legal defense and settlements. It’s required by almost every commercial client and general contractor.
👷♂️ Workers’ Compensation Insurance
Covers employee injuries, medical bills, and lost wages. Required by law in most states, even for small crews or 1099s. Helps you stay compliant and avoid fines or lawsuits.
🚛 Commercial Auto Insurance
Your trucks, vans, dump trucks, and trailers aren’t covered by personal policies. Commercial auto protects your mobile assets, crew transport, and jobsite travel.
🔧 Tools & Equipment Insurance
Covers your drills, saws, compressors, and portable gear from theft, loss, or vandalism. Essential for mobile or high-theft-risk environments.
🏗️ Inland Marine Insurance
Protects equipment in transit between job sites or stored temporarily in trucks, trailers, or containers.
🧱 Builder’s Risk (Optional)
Temporary coverage during construction projects for unfinished structures, materials on-site, and exposed frameworks. Often required for large builds.
GC & Construction Insurance Overview
🔹 What Insurance Does a Contractor Really Need?
No two contractors are the same — but the risks you face have one thing in common:
They don’t wait until you’re ready.
The foundation of any contractor’s insurance profile includes:
✅ General Liability Insurance — Covers third-party bodily injury, property damage, and completed operations
✅ Workers’ Compensation Insurance — Covers medical costs and lost wages for injured employees
✅ Commercial Auto Insurance — Protects work trucks, vans, and trailers used in your business
✅ Tools & Equipment Coverage — Replaces or repairs stolen, lost, or damaged gear
✅ Inland Marine Insurance — Covers mobile equipment, materials, and jobsite assets in transit
These are the must-haves — the essential protections that keep most contractors legally compliant and financially insulated.
🔒 Pro Tip: Smart Coverage for Elite Business Owners — Bundle & Save Without Cutting Protection
🔹 Expanded Coverage for Construction Businesses
If you’re operating at scale or engaging in higher-risk work, you’ll need to layer in the following:
- Builder’s Risk Insurance — Temporary coverage for buildings under construction, materials, and supplies on-site
- Commercial Umbrella Insurance — Adds excess liability coverage when primary policy limits are maxed out
- Employment Practices Liability Insurance (EPLI) — Protects against lawsuits from employees alleging wrongful termination, discrimination, or harassment
- Professional Liability Insurance (Contractor E&O) — For design-build, consulting contractors, or those handling plans, specs, or permitting
- Contractor Surety Bonds — Often required for permits, licensing, or contract work
- Cyber Liability Insurance — Protects your business from digital threats like invoice fraud, ransomware, and data breaches related to bidding, payroll, or email platforms
💡 Solution: We customize every policy stack based on your scope, structure, and risk — no bloated premiums, no missing coverages.
🔹 Real Scenarios Contractors Face
- Framer sued for water intrusion: General Liability paid $475,000 in defense + settlement
- Journeyman fell from scaffolding: Workers’ Comp paid medical + lost wages — over $200,000
- Crew truck rear-ended another driver: Commercial Auto covered the claim and repair costs
- HVAC tools stolen from trailer overnight: Inland Marine replaced equipment, limiting downtime
- Wrongful firing lawsuit from terminated apprentice: EPLI defense + resolution cost $68,000
Without coverage, these costs would be personal. With the right structure, you stay operational and protected.
💬 Even a single misunderstanding with an employee or client can expose you to six-figure liability without the right policy.
🧠 Real Contractor Claims Paid
📍 $485,000 – Employee fell through scaffolding. Workers’ Comp paid medical + lost wages.
📍 $1.1M – Welding sparked fire that damaged client’s property. Covered under General Liability + Umbrella.
📍 $325,000 – Truck accident on way to jobsite. Covered by Commercial Auto.
📍 $75,000 – Lawsuit for wrongful firing. Settled under EPLI.
📍 $58,000 – Stolen compressors and laser levels. Paid out under Equipment Coverage.
❌ Without coverage? These numbers hit your balance sheet.
✅With WorkersInsurance.com — you’re shielded.
Priority Concerns & SOLUTIONS
✅ “I’ve never needed insurance before — why now?”
Most contractors go years without a claim… until something goes wrong.
One accident, one lawsuit, or one missing COI can bring everything to a halt — from jobs to licenses to revenue flow.
You may not have needed insurance yet — but that doesn’t mean you’re safe.
💣 Here’s the Risk:
You win a new job. The property owner asks for proof of insurance. You can’t provide it — and lose the job.
Or worse: A subcontractor damages a client’s property, and you’re held responsible. You face a $250,000 claim with no coverage.
One moment can erase years of progress.
🛡️ Gold Standard Solution:
We build lightweight, contractor-specific policies that start lean — no fluff, no bloated premiums. You’ll meet basic job requirements, protect your assets, and win more work with valid COIs in hand.
With coverage in place, you work smarter, not just harder.
✅ “I just use subcontractors — I don’t need Workers’ Comp, right?”
Not necessarily. If you control their hours, provide tools, or direct their work — a court or state agency may reclassify them as employees during an audit or injury claim. You’d be on the hook.
💣 Here’s the Risk:
A 1099 laborer falls off a roof and breaks their back. They sue for medical costs and lost wages. The court says you had enough control to be considered an employer. You’re liable — and personally exposed.
🛡️ Gold Standard Solution:
We evaluate your crew structure, subcontractor agreements, and state rules to determine if you need Workers’ Comp. If you do, we get you job-compliant coverage fast, often bundled for cost savings.
If you don’t, we make sure your contracts protect you clearly. Risk-proof, crew-ready, legally aligned.
We create lean, efficient policies for micro-teams, family businesses, and contractors that still give you full-spectrum protection.
✅ “I only use my personal vehicle — why do I need Commercial Auto?”
Personal auto insurance excludes business use in most cases. If you get into an accident while hauling tools or heading to a jobsite, your claim can be denied — and you’ll pay out of pocket.
💣 Here’s the Risk:
You’re rushing to a job and rear-end a driver. You had tools in the truck bed and business logos on the door. Your personal insurer denies the claim. You owe thousands in repairs and medical costs.
🛡️ Gold Standard Solution:
We structure Commercial Auto coverage that works whether you’re using a work truck, trailer, or personal vehicle. It’s affordable, compliant, and protects you when your wheels are your livelihood.
✅ “I don’t want to overpay or be sold something I don’t need.”
You shouldn’t be. But many agencies slap together generic contractor packages without understanding how you actually work.
That leads to:
- Redundant policies
- Unnecessary coverages
- Or worse — missing critical protection
💣 Here’s the Risk:
You’re told you’re covered. Then a jobsite theft isn’t paid out because tools weren’t listed. Or an EPLI claim is denied because it wasn’t included. You’re left footing the bill, feeling betrayed.
🛡️ Gold Standard Solution:
At WorkersInsurance.com, we build custom coverage only around what you need — and nothing you don’t.
Your policies evolve with your business. You scale smart, stay lean, and grow protected.
✅ “I’ve got General Liability — isn’t that enough?”
General Liability is your foundation — but it doesn’t cover:
- Employee injuries (Workers’ Comp)
- Equipment theft or breakdown (Tools Coverage)
- Damage in transit (Inland Marine)
- Lawsuits from employees (EPLI)
- Claims beyond $1M (Umbrella)
In modern construction, one policy isn’t enough.
💣 Here’s the Risk:
A client sues you for $1.7M after a fire linked to faulty work. Your GL policy only covers $1M. You’re liable for the rest — personally, legally, financially.
🛡️ Gold Standard Solution:
We stack policies like you stack scaffolding — solid, structured, and up to code.
Each policy supports the others. You avoid gaps, meet contract requirements, and never face a claim alone.
🔒 Pro Tip: Let us review your contracts, unique needs, and recommend the right level.
Licensed Insurance Partners
Experience Coverage with Peace of Mind
Top Rated Licensed Insurance Partners for Contractors, Truckers, Tradesmen and Business Owners
WorkersInsurance.com proudly partners with America's most trusted MGAs and carriers to ensure every Client gets fast, fair, and fully compliant coverage.
Not locked into one carrier — we shop the best advantage based on your risk class and payroll.
Why Choose WorkersInsurance.com?
Because you don’t need a maze of forms, confusing laws, or sketchy salespeople. You need:
- Fast, compliant coverage from experienced agents
- Sean Belding is licensed in CA, TX, & AZ
- Licensed partners in all 50 states
- Specialized knowledge for your industry
- Real-time quotes with no obligation
- Support you can trust
WorkersInsurance.com helps to craft elite policies—we are also able to connect you with handpicked, A+ Top-Rated, US-based experts.
But more importantly, we filter out the fluff and only connect you with our licensed, reputable professionals who know how to get you covered—fast.