General Liability
Required on virtually every job site — covers third-party bodily injury, property damage, and completed operations claims.
Construction & Contractor Insurance for Every Job Site
Construction is one of the highest-risk industries for liability and injury claims. We compare policies from multiple carriers to find competitive coverage for your contracting business.
Coverage
What does Construction & Contractors insurance cover?
The right insurance program for your Construction and Contractors business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Workers' Compensation
Covers medical costs and lost wages for construction workers injured on the job — required in all states.
Commercial Auto
Covers your work trucks, vans, and equipment trailers used to transport tools and materials to job sites.
Commercial Property
Protects your tools, equipment, materials, and contractor's yard against theft, fire, and damage.
Professional Liability
Covers design-build contractors and construction managers against errors in plans, specifications, or project management.
Umbrella / Excess Liability
Adds higher liability limits above your primary policies when contract requirements or claim severity exceed standard underlying limits.
Who needs it
Who needs Construction & Contractors insurance?
If you operate a Construction and Contractors business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- General contractors and construction managers — Oversee entire projects and bear liability for all subcontractor work and on-site injuries.
- Specialty trade subcontractors — Required by GCs to carry their own coverage for work-related injuries and trade-specific property damage.
- Residential and commercial builders — Build structures where defect or injury claims can surface years after project completion.
- Renovation and remodeling contractors — Work inside occupied homes and businesses, creating property damage and injury liability on every job.
Why Ashmont Insurance Agency
The smarter way to insure your Construction & Contractors business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Construction and Contractors business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Construction and Contractors coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Construction & Contractors insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Contractor insurance costs vary widely by trade: general liability alone typically costs $1,000–$5,000 per year for small contractors. Workers' compensation rates depend on payroll and job classification. High-risk trades like roofing and electrical pay more. Ashmont Insurance Agency compares multiple carriers for the best rates.
A certificate of insurance is a document proving your coverage to general contractors, property owners, or clients. It lists your policy types, limits, and carrier. Ashmont Insurance Agency can provide COIs quickly once your policy is bound.
Yes. General liability covers third-party claims (client injuries, property damage), while workers' compensation covers your employees' on-the-job injuries. These are separate policies and both are typically required before starting any commercial project.
Completed operations coverage, included in most general liability policies, covers claims that arise after a project is finished — such as a building defect that causes injury or property damage months after completion. It is essential for any contractor.
Yes. Ashmont Insurance Agency lets you compare contractor insurance quotes from multiple carriers online in minutes. We analyze your trade type, payroll, revenue, and location to find your most competitive options.
Ready to protect your Construction & Contractors business?
Compare Construction & Contractors insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.