Contractor Insurance

Core coverages

• General liability — with the additional insured and waiver endorsements GCs demand
• Tools & equipment (inland marine) — your gear, on the truck or on the site
• Commercial auto — work trucks and vans rated for business use
• Workers comp — and the certificates to prove it on every job
• Builders risk — the structure itself while you're building or renovating it

What drives your rate

Your trade (roofing and demolition price differently than painting), payroll, how much work you sub out, gross receipts, and claims history. Paying attention to sub certificates matters — uninsured subs get picked up on your audit and billed to you.

Why agents pass — and we don't

Higher-hazard trades get declined or slow-walked by standard agencies, and nobody wants to issue a certificate at 7 AM before a job starts. We write the trades other agents avoid — and when your GC needs a COI, you get it the same day.