Contractor insurance isn’t a single policy. It’s a combination of coverages built around the specific risks that come with doing physical work on someone else’s property. Most contractors need at least general liability, and many also need workers compensation, commercial auto, and tools and equipment coverage depending on how their business operates.
The most common reason a contractor calls us is because a general contractor or property owner has asked for proof of insurance before work can start. A certificate of insurance is often required before you can even set foot on a job site, and we can get that in your hands the same day your policy goes active.
Covers third-party bodily injury and property damage claims. This is what most clients and general contractors require before you can work.
Required in Pennsylvania if you have employees. Covers medical bills and lost wages if someone on your crew is injured on the job.
Covers your tools, equipment, and machinery if they are stolen, lost, or damaged on the job site or in transit.
Covers vehicles used for work, including trucks and vans. A personal auto policy typically won't cover a work-related accident.
Protects you from claims that arise after a job is finished, such as a customer claiming your work caused water damage months later.
We issue certificates the same day your policy goes active. Most job sites, GCs, and clients will require one before work can begin.
Before you can bid or set foot on most job sites, you’ll need to show proof of coverage. Here’s what’s commonly asked for.
Real, licensed producers who know your policy and pick up the phone, not a call center script.
The agency feels personal, accountable, and easier to trust than a faceless call center.
The value isn't just a cheap price. It's better-fit coverage through real comparison.
Great for families, businesses, and relocations across PA, WV, OH, NC, SC, FL, and MD.
Combine home, auto, and more under one agency to simplify billing and save on premiums.
Same-day callbacks from someone who actually knows your town, not a queue.
Trust continues after the quote: claims, certificates, policy changes, and reviews.
Recognized by top carriers for service that keeps clients renewing year after year.