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Subcontractor Insurance

Compare Free Quotes from Top Insurers. Get an Affordable Policy with Low Monthly Payments

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Simply Business is pleased to provide tailored insurance options from:

  • Accredited America
  • ABIC Insurance
  • Arch Insurance America
  • biBERK Business Insurance
  • Cerity Insurance
  • Clear Blue Insurance
  • CNA Insurance
  • Frank Winston Crum Insurance
  • Harborway Insurance
  • Hiscox Insurance
  • Markel Insurance
  • Preferra Insurance Company RRG
  • RLI Insurance
  • SolePro Insurance
  • Travelers Insurance
  • USG Insurance Services, Inc.

Get Subcontractor Insurance That Protects You on the Jobsite

As a subcontractor, you’re used to going to where the job needs you. Shouldn’t your business insurance be as flexible as you are?

Simply Business thinks so!

That’s why our subcontractor insurance provides you the coverage you need, with policies that can include general liability insurance, plus protection for your tools and equipment. Each policy is designed to protect you from the biggest risks you face as a subcontractor, like property damage and accidents.

Best of all, we’ve made it very easy to get covered. Find and compare quotes from top insurers online, or give one of our licensed insurance agents a call for hands-on assistance. We’ve got your back, so you can get back to your business faster.

Ready to get covered?

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Business Insurance FAQs

  • What is Business Insurance?

Other businesses we insure

What Kind of Insurance Does a Subcontractor Need?

  • General liability insurance
  • Workers compensation insurance


  • It can protect your business from certain claims.
  • Proof of insurance can help contractors feel good about working with you.
  • It may be legally required where you’re located.
  • You may need it to get a contractor license
Subcontractor cutting on site

What Insurance Does a Subcontractor Need?

Subcontractor insurance needs can vary depending on the type of work you do and if you have any employees. Additionally, the contractor you’re working with may require you to have a specific policy, which means it may be best to bundle your subcontractor insurance with the following common policies for businesses in your industry.

General Liability Insurance for Subcontractors

General liability insurance — also known as commercial general liability (CGL) insurance — covers you and your business in case of third-party damages, accidents, and/or lawsuits. For example, if you accidentally shatter a customer’s bay window with your ladder, you may not have to pay for the damages out-of-pocket because your policy could cover them.

As another example, let’s say you’re hired by a general contractor to help with wiring on a home remodeling project. You don’t complete the work correctly, so when the customer turns on their brand-new appliances, it short circuits and completely ruins them all. Your GL policy can cover the costs associated with these claims (up to your policy limits).

That also means the general contractor who hired you doesn’t have to worry, as your policy may be responsible for covering the damages.

Speaking of which, many companies and contractors won’t work with subcontractors if they don’t have general liability insurance, so it’s a good idea to have this protection in place.

General liability insurance usually covers:

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

General liability insurance usually doesn’t cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Known claims or potential claims

Workers Compensation Insurance

If you have employees, you may need workers compensation insurance. That’s because some states usually mandate that small businesses with employees carry it, plus most contractors won’t hire you if you don’t have it.

Here’s how it works: If an employee gets injured on the job, workers comp insurance can cover resulting medical costs and lost wages. If the employee needs rehab or has ongoing medical costs, your policy can continue to provide coverage.

These costs can be devastating for a subcontractor, as it’s estimated that the average work injury claim amounts to $41,000. Without this coverage, you’d have to pay these expenses out of your own pocket - and that could be catastrophic for your business.

Finally, carrying workers compensation can provide much-needed security, as having this coverage may prevent an employee from suing your subcontracting business for workplace injuries.

Workers compensation insurance usually covers:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits
Subcontractors fitting a kitchen

What If A Subcontractor Does Not Have Insurance?

As a subcontractor, no two days are alike. You may be spending one day on a home remodeling project, then the next helping a general contractor work on several condos. That unpredictability may make it hard to justify the cost of business insurance - after all, why have it if you may not need it every day?

The truth is, as a subcontractor, business insurance can unlock a world of work for you. If you’re wondering what if a subcontractor does not have insurance? Consider the following:

  • Other contractors may not want to take on the liability of having you on the job site if you don’t have your own insurance policy.

  • Customers may not feel comfortable having you work on their residential or commercial projects without business insurance.

  • Depending on the line of work you’re in, your state may require you to have a contractor’s license - and you may need to show proof of business insurance to get one. Learn more about how to get a contractor’s license in your state.

  • It can give you significant peace of mind if you get sued. And with 43% of small businesses reporting being threatened with a lawsuit over the last ten years, it may come in handy!

  • Your personal finances can be better protected with business insurance, as your policy can cover costs associated with claims of property damage or third-party accidents.

Don’t let a lack of business insurance hold you back from growing your business the way it deserves. With Simply Business, you can compare free quotes from the nation’s top insurers and buy a policy, 100% online.

Plus, we can provide you with a certificate of insurance (COI), so you can start showing proof of coverage right away.

That’s how we make business insurance, well, simple!

Question marks

Subcontractor Insurance FAQs

Finding subcontractor insurance may feel like a hassle, but we can help simplify the process. Check out our answers to the most frequently asked questions about business insurance, including how to tell if you need it.

  • Depending on the city and/or state where you operate your business, you may be required to carry subcontractor insurance. Additionally, you may be legally required to carry general liability insurance if you have a contractor’s license. That’s why we recommend carrying a GL policy, as well as workers compensation insurance if you have employees.

  • In most cases, you can deduct the cost of your subcontractor insurance premiums. If you have more questions about your business’s tax deductions, we recommend talking to an accountant or a tax professional.

  • Because subcontractors vary so much, your insurance policy should be tailored to the following:

    • The size of your business
    • Your business’s location
    • Your annual revenue
    • And more

    Our quote form lets you compare prices for different amounts of coverage from the nation’s most trusted insurers.

    And if you have any questions or need more help, give one of our licensed insurance agents a call. It’s like having your very own agent right when you need them the most!

  • Don’t rely on your contractor to carry a policy that covers you. As a subcontractor, most states may require you to carry your own business insurance, including general liability coverage (and workers comp, if you have employees).

  • This type of insurance can help cover you financially if a subcontractor who works for you defaults on a project. This can happen if a subcontractor takes on too much work or gets delayed on another project. Ask one of our insurance experts about subcontractor default insurance to learn more.

  • Want to get your subcontractor insurance policy as quickly as possible? We get it - you’ve got work to do! That’s why we recommend having the following information at hand before getting your quotes:

    • Annual revenue estimates
    • Payroll estimates
    • Information on any previous claims
  • Yes, as states can have different requirements for subcontractors based on the following:

    • Your line of work
    • Your contractor’s license
    • The number of employees you have
    • And more

    Our quote form makes it easy to find coverage in your state, as our quotes are tailored to your exact location.

  • The great thing about our insurance policies for subcontractors is that they can be tailored to cover your specific needs and risks. Whether your contractor requires you to have general liability or you want coverage for your employees, we have the policies you need to protect yourself while you’re on - and off - the job.

  • The cost of your subcontractor insurance policy will depend on the type of work you’re doing, as well as the risks you face in your day-to-day work. For example, a roofer may pay more for their policy than a handyman, as a roofer may have a higher risk for injury and property damage.

    The final price of your subcontractor insurance policy is usually determined by:

    • Payroll/revenue estimates
    • Your location
    • The services you provide
    • And more

    Want to see how much your subcontractor insurance may cost? Just click here to answer a few questions about your business.

  • If you provide multiple services (for example, you’re an electrician and a handyman), our licensed agents can help you find the right insurance policies that can cover every facet of your business.

Subcontractors discussing how to build a house

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that makes it easy to compare and buy policies from top insurers. We have over a decade of experience making business coverage clear and simple for our customers.

We pride ourselves on making business insurance:

  • Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.

  • Flexible with Coverage: Whether you need increased coverage for the busy season or policies for a large project, Simply Business can help.

After all, you’ve worked hard to build your subcontracting business. That’s why we offer the best coverage to protect it!

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

© Copyright 2024 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In California, we operate under the name Simply Business Insurance Agency, LLC, License #0M20593. In Colorado, we operate under the name Simply Business, LLC DBA Simply Business Insurance Agency. In New York, we operate under the name Simply Business Insurance Agency. In Pennsylvania, we operate under the name Simply Business Insurance Agency, LLC. In Texas, we operate under the name, U.S. Simply Business, LLC. For more information, please refer to our Privacy Policy and Terms & Conditions.