General contractor insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$68.75
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$68.75
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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What is General Contractor Insurance and Why Is It Essential?
As a contractor, you bring blueprints to life, but even seasoned pros can face unforeseen setbacks. From accidental damage to a client’s property, stolen tools, or jobsite injuries, general contractor insurance can help protect your business and keep your projects on track.
What Type of General Contractor Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/mon*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Contractor Insurance Cover?
General contractor insurance is a collection of policies that contractors typically purchase. We’re here to help you find the right coverage to protect against some of the common risks you may face:
While installing kitchen cabinets, your carpenter accidentally cracks a water pipe behind the wall. Water floods the room and damages the new flooring. A general liability policy could help cover those types of third-party claims.
Imagine you build a deck, but an anchoring error eventually causes boards to warp and the railing pulls loose. Adding a contractor’s errors and omissions endorsement to your general liability policy could help cover repair costs and protect you against a negligence claim.
You’ve secured a large remodeling contract, but the homeowner requires proof the work will be completed on time and to spec. That’s where a surety bond comes in. It’s a financial guarantee that protects your client if you can’t meet your contractual obligations. If the job isn’t finished or doesn’t meet agreed-upon standards, the bond can compensate the customer for their losses.
Your crew is framing a second story when one of your workers trips over a joist, injuring their leg. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp, since many health insurance policies won’t cover work-related injuries.
You show up to the site one morning and find your trailer broken into — compressors, nail guns, and saws gone. Contractor’s equipment and small tools insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment, whether it’s on the move or at a jobsite.
What Does General Contractor Insurance Cost
Try our General Contractor insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Contractor Insurance Coverage Questions
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
If you’re thinking of buying contractor insurance, we recommend having the following information when using our contractor insurance calculator:
• The state where you do business
• Your type of business or trade
• Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
General contractor insurance is a collection of policies that contractors typically purchase. It’s a comprehensive general business insurance product – one that includes general liability and workers’ compensation (if you have employees) – can cover:
• Bodily injury
• Accidents and damages
• Employee injuries
• Unintentional mistakes
• And more
The great thing about business liability policies for contractors at Simply Business is that they can be tailored to cover your specific needs. Whether you need just a general liability policy or want coverage for your tools or equipment, too, we have the policies you need to protect your business.
The cost for your contractor insurance coverage is largely determined by the type of work you do, the types of risks you’re exposed to, and the number of employees you have.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
Here is a list of common policies purchased by general contractors and their related median monthly costs:
• General liability: $82
• Workers’ compensation: $132
• Tools & equipment: $37
We can help find the coverages and prices online for contractor insurance coverage in just 10 minutes right here.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your contractor business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Contractors Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
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Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.