Commercial Contractor Insurance

Affordable Protection for Your Commercial or Industrial Work

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Commercial Contractor Insurance That’s Made Just for You

As a commercial contractor, you’ve worked hard to build your business. But even the best commercial contractor might face a situation where a client accuses them of an error or you accidentally cause property damage. When that happens, your commercial contractor insurance can provide you protection when you need it the most!

At Simply Business, we can help you find a commercial contractor insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.

What Insurance Do Commercial Contractors Need?

It’s safe to say that commercial contractors are exposed to many risks. Since you’re working on different client sites, there’s the potential for accidents and property damage. Plus, if an employee gets hurt on the job, your business could be exposed to lawsuits and medical claims.

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General Liability Insurance for Commercial Contractors

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury. Without this type of coverage, your commercial or industrial business may be responsible for those costs. That’s why we recommend that commercial contractors carry general liability insurance, as it can provide their business with essential protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Commercial Contractors

Professional Liability insurance — also known as errors and omissions (E&O) insurance — provides coverage in the event a customer accuses your business of negligence that causes financial injury. If your customer sues your business for mistakes related to your work, your professional liability insurance may cover resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Workers Compensation Insurance for Commercial Contractors

If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

How Much Does Insurance for Commercial Contractors Cost?

While there’s no single answer for how much insurance costs for commercial contractors, you can get an estimate for what you may pay based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your commercial contractor insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your commercial contractor insurance coverage.

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