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As a contractor, you know that every day is different. One day you’re working on a client’s site, and the next you might be working out of your home office. That’s why you need business insurance that keeps up with your busy lifestyle.
At Simply Business, we build unique and highly specific policies for contractors like you. You’ll get only what you need; no overpaying for coverage that doesn’t fit your needs.
That’s the Simply Business promise!
Ready to get covered? Click to discover the kind of policies we carry for contractors:Get Your Quote
Contractors insurance is a type of coverage that’s ideal for people who serve different clients and customers, but are self-employed. Most contractors insurance policies include general liability coverage.
The great thing about contractors business insurance at Simply Business is that it can be tailored to cover your exact needs, within the timeframe you need it. Whether you need a short-term policy or liability coverage, we can help.
The type of contractors insurance coverage you might need depends on the service or product you provide. For example, if you work on construction sites, you’ll probably need different coverage than a janitorial cleaning service.
That’s why Simply Business usually starts by recommending the following contractors insurance requirements:
General liability insurance for contractors - also known as commercial general liability (CGL) or general liability - is a type of policy that covers you in case of financial and legal costs resulting from accidents, property damage, and even reputational damage. Without this coverage, you and your family could be required to pay for these damages out of your own pocket.
Want to see what general liability insurance for contractors looks like in action?
Property damage: If you spend a lot of time on client properties, you definitely need to protect yourself. For example, if you end up accidentally damaging property in any way, your general liability policy can cover the resulting repair costs.
Accidents: Accidents happen all the time, which is why you need general liability protection. For example, if a client decides to sue you over an accident on his or her property, your policy can cover the cost of damages and legal fees.
Reputational damage: If you end up saying something slanderous about a client or customer, you could end up getting hit with a lawsuit over reputational damage. If that happens, your general liability policy can cover legal fees and any court-ordered payments.
Wondering what’s not covered by a general liability insurance policy? Take a look:
Learn more about commercial general liability insurance.
If you’re a contractor but work with other employees, you need workers compensation insurance. This type of policy protects your business in case someone gets injured or sick on the job, even if they’re not your full-time employee.
Workers compensation insurance can protect you if:
Learn more about workers compensation insurance here.
Here at Simply Business, we typically base the cost of your contractors insurance on:
Want to find out how much your contractors insurance will cost?
Click here to answer a couple of questions - we’ll find you a few quotes so you can know how much your contractors insurance might cost.