Insurance for contractors, without the runaround.
General liability, workers' comp, commercial auto, and tools & equipment — one 2-minute intake, and a licensed specialist shops the carriers for your trade. No bait prices, no call centers, no selling your info.
Free quotes · No obligation · Licensed in 9 states
Need a certificate of insurance to bid a job?
GCs don't wait. Tell us a COI is urgent when you request your quote and we flag it as a rush — same-business-day COIs once the policy is bound, so you can bid and start work.
★ The contractor stack
The four policies contractors actually need.
Every trade is different — roofers aren't electricians — but almost every contractor runs on some version of this stack. We quote them together so nothing gaps and nothing doubles up.
General Liability
Third-party injuries, property damage, and legal costs from your work. Most GCs and clients require $1M/$2M before you step on site.
Required for: nearly every trade, every bid
Quote GL →Workers' Comp
Medical bills and lost wages when an employee gets hurt on the job. Required in most states once you have employees — and most GCs require proof from subs.
Required for: crews of any size, GC subcontracts
Quote comp →Commercial Auto
Your personal auto policy won't cover work trucks. Covers company vehicles, trailers, and the crew driving them — on the job and between sites.
Required for: work trucks, vans, fleets
Quote auto →Tools & Equipment
GL doesn't cover your own gear. Inland marine coverage protects tools and equipment on the truck, on the site, and in storage — including scheduled high-value items.
Smart for: anyone with $10k+ in gear
Quote tools →★ What affects your price
Why your premium is what it is.
Contractor premiums are priced on the actual operation — not a vibe. Here's what carriers look at, so you know exactly why the questions get asked:
Roofing costs more than clerical work for a reason. Your class code is the single biggest pricing factor.
Workers' comp prices on payroll by class code; GL often prices on revenue or payroll. Growth changes the number.
Loss runs tell the story. Clean history earns better pricing; frequent claims raise it. We work with what you've got.
$1M/$2M is the standard ask, but bigger contracts need bigger limits. Higher deductibles lower the premium.
Using subs changes everything — whether they're insured, what they do, and how you verify it all affect your price.
Rates, comp rules, and requirements vary by state. We write in TX, FL, GA, SC, AL, MS, NC, CA, and CO.
The honest part: anyone quoting you a flat number without knowing your trade, payroll, and claims history is guessing — and the guess usually changes at checkout. We collect the real details once, up front, and price the real operation. All quotes subject to carrier underwriting and final approval.
★ Contractor FAQ
Asked on every job site.
How much does contractor insurance cost?
How fast can I get a certificate of insurance (COI)?
Do I need workers' comp if I only use subcontractors?
Does general liability cover my tools?
Can I get all my contractor coverage in one place?
Which states do you write contractor insurance in?
Get your contractor quotes.
One 2-minute intake for GL, comp, auto, and tools. A licensed specialist follows up — usually within one business day — with real options for your trade.
Start my contractor quote →Free quotes · No obligation · No robocalls · We never sell your info