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Protect your crew, your equipment, and your reputation with coverage designed for the unique risks of construction. General contractor insurance keeps your business running when the unexpected happens on site.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
General contracting is one of the highest-risk occupations in the U.S. You’re responsible for your crew, subcontractors, client property, and public safety, all at the same time. One uninsured incident can shut down your general contractor business permanently.
Visitors, inspectors, and delivery workers on active job sites create constant third-party injury risk that only contractor insurance covers.
If a subcontractor causes damage or injury, the GC is often held liable. Your general contractor insurance policy must extend to sub operations.
Clients can sue months or years after a project for defective workmanship, water intrusion, or structural failures. Completed operations coverage is essential.
Construction equipment is a top target. Tools and equipment insurance fills the gap that general liability doesn't cover on job sites.
A complete general contractor insurance coverage program typically includes several policies working together. We bundle them to save you money and eliminate coverage gaps.
Whether you’re doing ground-up commercial construction or residential renovation, we have a general contractor insurance program designed for your specific scope of work and risk profile, because a roofer and an excavator need completely different coverage.
New home builds, additions, full renovations, and custom home projects for private homeowners
Office buildings, retail spaces, warehouses, and mixed-use developments from ground up
Kitchen and bath remodels, interior gut-and-rebuild, historic renovation projects
Residential and commercial roofing, metal siding, soffit and fascia installation
Grading, excavation, foundation work, concrete flatwork and structural pours
Subcontractors in electrical, plumbing, HVAC, and fire suppression systems
Every state has different requirements for general contractor license and insurance minimums. We help you stay compliant with state laws and help you win contracts that require specific coverage types like additional insured endorsements and waivers of subrogation.
General contractor insurance cost depends on your annual payroll, total revenue, project types, and claims history. Here’s what most GCs in the Southeast pay for a complete insurance package.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Required by most commercial contracts
Certificate of Insurance when you need it
We shop for the best rate for you
In the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
License type, annual revenue, payroll, number of employees, and typical project scope, basic info to assess your risk profile
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Umbrella based on your specific operations
Receive clear quotes from multiple A-rated carriers, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for bids, permits, and client contracts
In most states, sole proprietors can waive workers’ comp coverage for themselves. However, many commercial contracts require proof of workers’ comp even for owners. We’ll help you navigate general contractor insurance requirements in your state and for each specific project.
General liability covers third-party injuries and property damage you cause to others. Builder’s risk covers the structure itself: materials, framing, drywall, against fire, theft, or vandalism during construction. Most GCs need liability insurance for a general contractor AND builder’s risk for every project.
Yes, we offer online contractors insurance quotes in under 10 minutes. Just tell us your revenue, payroll, project types, and claims history. Same-day binding and instant COI available. But a quick call often saves you money because we can ask the right questions.
Your general liability policy typically extends to subcontracted work, but you should require each sub to carry their own insurance and name you as additional insured. Relying solely on your independent contractor liability insurance without verifying their coverage creates dangerous gaps.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. For bids due tomorrow morning, we can have your COI in hand before you submit. Home improvement contractor insurance verification is often the only thing holding up a permit or contract.
New home builds, additions, full renovations, and custom home projects for private homeowners with tailored liability limits
Office buildings, retail spaces, warehouses, and mixed-use developments from ground up with higher aggregate limits
Kitchen and bath remodels, interior gut-and-rebuild, historic renovation projects with completed operations coverage
Residential and commercial roofing, metal siding, soffit and fascia installation, high-risk coverage for fall hazards
Grading, excavation, foundation work, concrete flatwork and structural pours with heavy equipment endorsements
Subcontractors in electrical, plumbing, HVAC, and fire suppression systems with tools and equipment coverage
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
