Looking for Construction & Contractors Insurance?
Protect your construction business from worksite injuries, property damage, equipment loss, and contractual liability. Harper provides insurance for general contractors, specialty trades, and construction management firms, with fast certificates for project owners, general contractors, and lenders.
What is Construction & Contractors Insurance?
Construction insurance protects contractors against risks including on-site injuries, property damage, equipment theft, and project-related liability. Coverage commonly includes general liability, workers' compensation, builders' risk, commercial auto, and equipment coverage. Project owners, general contractors, lenders, and bonding companies typically require proof of insurance before contracts are executed or projects begin.
Worksite Liability
Coverage for injuries, property damage, and accidents occurring on active construction sites or as a result of completed operations.
Builders Risk
Protects structures under construction from theft, fire, vandalism, and weather-related losses.
Equipment & Tools Coverage
Covers construction equipment, tools, and machinery used on jobsites, in vehicles, or in storage.
Certificates
Fast proof of insurance for project owners, general contractors, lenders, and bonding requirements.
Who Needs Construction & Contractors Insurance?
- General contractors : Businesses requiring specialized insurance coverage
- Specialty trade contractors : Businesses requiring specialized insurance coverage
- Construction management firms : Businesses requiring specialized insurance coverage
- Residential and commercial builders : Businesses requiring specialized insurance coverage
Why Harper?
Construction & Contractor Expertise
Construction businesses face complex exposure tied to jobsite safety, subcontractor relationships, and contract requirements. Harper understands these risks and places coverage designed for real-world construction operations across trades and project sizes.
Fast Proof for Project Requirements
Project owners and general contractors often require certificates with specific endorsements before work begins. Harper delivers accurate certificates quickly and assists with additional insured and waiver of subrogation requests to keep projects on schedule.
Clear, Practical Guidance
We explain general liability, builders' risk, commercial auto, umbrella, and workers' compensation in clear terms so you understand how coverage applies to your projects and contracts.
Coverage Matched to Your Trade
Whether you’re a general contractor, residential builder, or specialty trade such as electrical, plumbing, HVAC, framing, or roofing, Harper helps align coverage with the work you perform.
Frequently Asked Questions
What insurance do contractors need?
Most contractors need general liability, workers' compensation, and commercial auto coverage. Builders' risk coverage is often required for projects under construction, and umbrella coverage may be needed for higher-risk jobs. Design-build and construction management firms may also require professional liability.
Is construction insurance required?
Yes. Project owners typically require liability coverage and additional insured endorsements before allowing work to begin. Lenders often require builders' risk coverage, and states require workers' compensation for businesses with employees.
How much does contractor insurance cost?
Costs vary by trade, payroll, revenue, and project scope. Small specialty contractors may pay $3,000–$8,000 annually, while general contractors and larger operations typically pay $10,000-$50,000 or more.
Does insurance cover subcontractor injuries?
Coverage depends on subcontractor status and contract terms. Workers' compensation may apply if subcontractors are deemed employees, while general liability may cover certain third-party claims. Proper certificates from subcontractors are critical.
Does insurance cover theft of tools or equipment?
Yes. Inland marine or contractor’s equipment coverage can protect tools and equipment stolen from jobsites, vehicles, or storage locations, subject to policy limits.
Can I add project owners or GCs as additional insureds?
Yes. Construction contracts commonly require that project owners and general contractors be named as additional insureds. Harper accurately handles certificates and endorsements to meet contract requirements.