Coverage lines

Every contractor insurance coverage type explained.

Each coverage type below addresses a specific exposure in contractor work. Read the guide, then get a quote — all from the same source.

General Liability

Third-party bodily injury, property damage, and completed-operations protection — the foundational policy every contractor must carry and understand.

Errors and omissions coverage for design-build, consulting, and professional services — what GL doesn't cover and why you may need it.

Wage replacement and medical benefits for injured crew members — class codes, experience mods, and what contractors need to know.

Coverage for contractor vehicles, trucks, trailers, and hired/non-owned auto — when personal auto policies fall short.

Excess liability limits above GL, auto, and employers liability — how umbrella works and when subcontracts require it.

License bonds, performance bonds, and payment bonds — what they are, when they're required, and how they differ from insurance.

Inland marine coverage for contractor tools — what commercial property misses and how tools coverage actually works.

We explain the coverage and place it. One call, 15 minutes, real quotes from specialty contractor markets.