Contractors Insurance

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Who Needs Contractors Insurance?

There are many different types of contractors who may need insurance, including:

  • Residential Remodelers
  • Painting and Wall Covering Contractors
  • Plumbing, Heating, and Air-Conditioning Contractors
  • Electrical Contractors and Other Wiring Installation Contractors
  • Finish Carpentry Contractors
  • Flooring Contractors
  • Roofing Contractors
  • Site Preparation Contractors
  • Masonry Contractors
  • Drywall and Insulation Contractors
  • Siding Contractors
  • Framing Contractors
  • Tile and Terrazzo Contractors
  • Other Building Finishing Contractors

What insurance do small contractors need?

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FAQs: Contractors Insurance

What kind of insurance should a contractor have?

CoverWallet’s insurance specialists will work with you to create a policy tailored specifically for your contractors business, so you only pay for the coverages you require.

Are contractors required to have insurance?

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.

How much does insurance for contractors cost?

The cost of insurance will depend on a few different factors including location, history of previous claims, current and past business activities, payroll amounts, the number of years you’ve been in business and the size and type of your business.

The best way to get an accurate idea of cost is to get a quote specific to the needs of your business.

I'm a general contractor, does this insurance allow me to hire subcontractors?

Yes. Your subcontractors must have the legally needed permits, as well as their own insurance with limits equivalent to or larger than yours, and you must be mentioned as an extra insured on their policy. In the event of a claim, you'll need to maintain this documents on file for an adjuster to evaluate.

Will my policy include coverage for work that I don't have a license for?

We, too, demand a license if your state does. However, in most places where insurance is required to obtain a license, we do provide the option to purchase a policy on the condition that you agree to obtain all necessary licenses prior to working.

However, keep in mind that if you aren't functioning lawfully, your claim will most likely be denied. You are welcome to apply for a policy if your state does not require you to obtain a license for a certain area of employment.

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