Free Quote: General Contractor Insurance
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 General Contractor Insurance Quotes

  Additional Insured Included:   YES
  Free Certificates:   YES
  Payment Options:   YES     (Pay in Full OR Payment Plans)
  Low Down Payments:   YES     (Flexible Payment Options)
  Coverage Limit Minimum:   $2,000,000 / $2,000,000 / $1,000,000

General Contractors Insurance

According to the Associated General Contractors of America, the construction industry has more than 650,000 employers with over 6 million employees. Your line of work creates almost $1 trillion worth of structures each year.“In 2012, nonresidential construction spending in the U.S. totaled $573 billion ($269 billion public, $303 billion private) and nonresidential building and specialty trade contractors accounted for 2.7 million of the industry’s 5.6 million employees” (AGC). As a general contractor, you have the ability to coordinate and supervise the work at construction sites from early development to final product. You are faced with complex tasks that can be unique and sometimes dangerous. Your work is extremely valuable and important to our nation. Let us help you protect your prized business with the best possible coverage. 

First, let’s drill down to the basics of business insurance for a general contractor.  Every general contractor should have general liability insurance, property insurance, and if there are employees, most likely workers' compensation. While there is a multitude of additional coverage options and types of insurance coverage, these three cover the basics.

General liability insurance covers damages to third parties such as customers and customer’s property.  Property insurance covers the physical assets of the business. Worker’s compensation insurance coverage protects against losses from on the job injuries to employees. 

Every general contractor, no matter how small or large, has assets to protect and are exposed to liabilities while conducting business.  Therefore, any general contracting business owner needs to recognize the importance of securing insurance to protect themselves and their business. 

Life is full of unseen and unplanned mishaps and the main purpose of general contractors insurance is to maintain and protect the "life" of the contracting business. Any of these potential mishaps could literally destroy the uninsureds business, and worse, the personal assets of the owner of that business. 

In simple terms, one single event could put a general contracting business owner at risk to lose their livelihood and income stream, as well as losing everything they presently own. This is why the second path makes absolutely no sense.

Seek out a licensed insurance professional and discuss the options available to insure your business. Utilize your state department of insurance as well in determining coverage and reasonable costs. Make it a top priority and work with your agent to develop a comprehensive insurance package that makes sense for your business while addressing affordability and cost savings options. Sure, general contractors insurance cost is important, but more important is the risk exposure of your general contractor business.


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Let us help you find protection for your business and keep your mind at ease. At CommercialInsurance.Net, our mission is to help medium and small businesses manage risk by finding business insurance quotes at a reasonable price. To get a competitive insurance quote it is fast and easy, enter your zip code  and click “Get Quote.” One of our specialists will contact you soon.


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They were spot on with their help to secure the insurance that was best for me. I was guided to the correct plan with the best price. I would certainly go back!
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