Blog & insights

Framing contractor insurance, decoded

Plain-English guides on the coverage that matters for framing crews — general liability, workers’ comp, builder’s risk, and the tools floaters that pay when gear walks off the jobsite.

Contractor General Liability Insurance Explained: What It Covers and What It Doesn't
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Coverage ExplainedMay 20, 20264 min read

Contractor General Liability Insurance Explained: What It Covers and What It Doesn't

A plain-English guide to general liability insurance for contractors — the coverage it provides, the exclusions that catch people off guard, and how to read your policy before something goes wrong.

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Workers' Compensation4 min read

Workers' Comp Class Codes for Contractors: A Complete Guide

How NCCI workers' compensation class codes work, which codes apply to common contractor trades, what the experience modification factor does to your premium, and how audits work.

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Coverage Explained4 min read

Professional Liability vs. General Liability for Contractors: Key Differences

Why contractors who provide design, consulting, or professional services often need both GL and E&O coverage — and what happens when you only have one.

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Coverage Explained5 min read

Commercial Umbrella Insurance for Contractors: When You Need It and How It Works

How commercial umbrella policies stack above GL, auto, and employers liability — what GC contracts require, how follow-form works, and when higher limits are worth the cost.

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Coverage Explained4 min read

Tools and Equipment Insurance for Contractors: What It Covers and Why Commercial Property Misses It

How inland marine tools and equipment coverage works, the difference between blanket and scheduled coverage, what commercial property doesn't cover, and how to structure a program that actually protects your gear.

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