Looking for Contractors Insurance?
Protect your contracting business from jobsite risks, client property damage, injuries, and equipment issues. Get fast, contractor-ready coverage tailored for general contractors, tradespeople, independent pros, and crews—with quick certificates for compliance needs.
What is Contractors Insurance?
Contractor insurance protects your business from jobsite risks, property damage, client injuries, and equipment loss. It often includes general liability and may include tools, equipment, or work-specific protections. Many clients or jobsite managers require proof of insurance before work begins.
Liability Protection
Protects you from claims tied to property damage, jobsite mistakes, or accidental injuries.
Client Safety
Covers injuries or incidents involving clients or third parties during your work.
Equipment Protection
Covers damage, loss, or theft of tools, machinery, or contractor equipment.
Certificates
Provides fast contractor-ready certificates for clients, jobsite managers, or project leads.
Who Needs Contractors Insurance?
- General Contractors : Businesses and professionals requiring contractors insurance coverage
- Remodelers : Businesses and professionals requiring contractors insurance coverage
- Mobile Contractors : Businesses and professionals requiring contractors insurance coverage
- Small Teams : Businesses and professionals requiring contractors insurance coverage
Why Harper?
Built for Contractors
Contractors face unique risks tied to tools, jobsite hazards, client property, subcontractors, and work quality. Harper Insure understands these exposures and guides you toward coverage aligned with the services you provide. You receive support tailored to real contractor scenarios, including property damage, injuries, equipment loss, and compliance for permits or jobsite access.
Fast Jobsite Certificates
General contractors, property managers, and commercial clients often require proof of insurance before work begins. Harper Insure provides accurate certificates quickly. If you need additional insureds or updated documents, our team handles requests fast, keeping projects on schedule.
Clear Policy Guidance
Contractor insurance can feel confusing. Harper Insure explains coverage clearly so you know what's included. We help you understand general liability, professional liability, tools and equipment, inland marine, and property coverage—and how each applies to your job types and work setups.
Coverage Matched to Trades
Contractors across trades face different risks. Harper Insure helps you match coverage to your services—carpentry, electrical, plumbing, painting, HVAC, remodeling, or general contracting. We guide you toward policies suited to daily tasks, jobsite conditions, and work obligations.
Frequently Asked Questions
What insurance do contractors need?
Most contractors need general liability for injuries and property damage, plus tools and equipment coverage. Some may require inland marine, commercial auto, or professional liability depending on services.
Is contractor insurance required?
Many clients and jobsite managers require proof of insurance before work begins. Cities may require coverage for permits. Insurance protects you from risks that could disrupt projects or finances.
How much does contractor insurance cost?
Costs vary by trade, location, business size, and limits. Solo pros may pay $40–$90 monthly; larger teams often range from $1,200 to $3,500 yearly depending on work type.
Does it cover property damage?
Yes. Liability coverage can protect you if you accidentally damage a client's property while working, as long as the job is within policy guidelines.
Does it cover tools?
Equipment coverage protects tools and gear from theft, loss, or damage on jobsites or in transit.
Can I add a client as insured?
Yes. Most jobsites require being listed as an additional insured. Harper Insure provides fast certificates for compliance needs.
