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From residential remodels to large commercial builds — we protect your crew, your equipment, your licenses, and your livelihood. Get coverage that keeps your job sites running legally and safely.
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 business permanently.
Visitors, inspectors, and delivery workers on active job sites create constant third-party injury risk that only CGL covers.
If a subcontractor causes damage or injury, the GC is often held liable. Your policy must extend to sub operations.
Clients can sue months or years after a project for defective workmanship, water intrusion, or structural failures.
Construction equipment is a top target. Inland Marine (tools & equipment coverage) fills the gap CGL doesn't cover.
A complete contractor insurance 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 program designed for your specific scope of work.
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 GC licensing and insurance minimums. We help you stay compliant — and help you win contracts that require specific coverage types.
Contractor insurance premiums depend on your payroll, revenue, project type, and claims history. Here’s what most GCs in the Southeast pay.
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.
Yes. As the General Contractor, you’re the responsible party on the project. Even if subcontractors carry their own insurance, you still need CGL as the primary policy and should be listed as additional insured on their policies.
No. Standard CGL doesn’t cover your own tools or equipment. You need Inland Marine (Tools & Equipment) coverage, which protects against theft, vandalism, and accidental damage at job sites.
Absolutely. Once you bind coverage, we can issue your Certificate of Insurance (COI) digitally within hours — often the same day — so you’re never held up on a job site.
Your CGL provides backup protection, but we recommend requiring all subcontractors to carry their own CGL and name you as an additional insured. We can help you create a compliant subcontractor requirements checklist.
In most states, sole proprietors with no employees can waive Workers’ Comp for themselves. However, the moment you hire your first W-2 employee, it becomes legally required in most Southeast states.
Specialized coverage for residential and commercial electrical contractors
Liability and tools coverage for plumbing professionals
CGL, equipment, and commercial auto for HVAC professionals
Liability and inland marine coverage for painting contractors
High-risk coverage for roofing and siding professionals
Flexible coverage for multi-trade handyman operations
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
