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Subcontractor Insurance

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Simply Business is pleased to provide tailored insurance options from:

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Subcontractor Insurance That’s Built Just for You

Our subcontractor insurance provides you the coverage you need, with policies including general liability insurance and protection for your tools and equipment. Plus, 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 if you want hands-on assistance.

Either way, you can get covered in less than 10 minutes, so you can get back to your business faster.

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Business Insurance FAQs

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What Insurance Do I Need as a Subcontractor?

What Insurance Do I Need as a Subcontractor?

Subcontractor insurance needs can vary depending on the type of work you do and if you have any employees. While each subcontractor is different, we usually recommend the following policies:

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 won’t have to pay for the damages out-of-pocket because your policy will cover them.

Many companies 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 does not cover:

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

Learn more about General Liability Insurance.

Contents Coverage for Subcontractors

Like most subcontractors, you’ve probably spent a lot of money building up your tools and equipment inventory.

But what would happen if any of it were stolen or damaged?

That’s where contents coverage comes into play. This type of policy can come in handy for subcontractors, as it can cover your tools and equipment up to a certain amount. If you store your tools at home, you’ll need this policy, as your homeowners insurance won’t cover commercial equipment if it’s damaged or stolen.

Contents coverage can be added to your general liability insurance policy, so make sure to add it to yours!

Workers Compensation Insurance for Subcontractors

If you have employees, you’ll likely need workers compensation insurance. That’s because it’s usually a legal requirement, 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.

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

Workers compensation insurance usually covers:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Subcontractor Insurance FAQs

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 subcontractor insurance, including how to tell if you need it.

What does subcontractor insurance cover?

The great thing about our business insurance for subcontractors is that it 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 tools and equipment, we have the policies you need to protect yourself and your business.

How much does subcontractor insurance cost?

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 has a higher risk for injury and property damage.

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

  • Number of employees
  • Areas you serve
  • Services offered
  • And more

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

Depending on the city and/or state where you operate your business, you may be required to carry subcontractor insurance and more. If you have questions about those requirements, give us a call, and one of our licensed insurance agents can help answer your questions.

Even if your state doesn’t require you to be insured, there are several reasons you should carry subcontractor insurance:

  • Your contractor may require you to carry coverage. It prevents you from paying out of your own pocket for property damage and accidents. It can cover legal costs in the event your business gets sued. Customers may be reluctant to have you on their property if you don’t have it. Your state may require you to have a policy in order to get your subcontractor’s license.

Do subcontractors need insurance?

Absolutely! Subcontractors like you need insurance coverage because, without it, you and your business could be vulnerable to serious financial damages. For example, if you get sued for accidentally causing significant property damage to a customer’s home while working for a contractor, you may have to pay for legal fees and damages if you are not properly insured.

Why Choose Simply Business?

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.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. 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 the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.