Get the contractor insurance you need to get the job done
ERGO NEXT Insurance is a one-stop shop for contractor business insurance. We’ll help you get insurance online at an affordable price so you can get back to work, whether you need to quickly lock down a certificate of liability insurance for your next project or get coverage for a new employee.
Oh, and you’ll save up to 10% when you bundle two or more of our policies.
We specialize in business insurance for contractors
Choose your profession for more information or start an instant quote to get covered fast
Why do construction contractors need business insurance?
Business insurance offers you protection from a wide range of unexpected events and accidents, from an employee falling off a ladder to a crash involving your work truck.
As a contractor, you’re almost always required to have insurance, in order to get licenses and to win contracts. Besides, having the right types of insurance for your contracting company means that you don’t have to pay out of pocket if an accident does occur. With the right coverage, you can do your work and focus on the job at hand without worrying about those pesky “what if” scenarios.
How contractors liability insurance protects your business
Contractor liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property at a job site, or if someone says that your work mistake caused financial losses.
We combine two types of liability insurance in our business insurance packages:
General liability is the basis of solid insurance coverage for contractors. Given how much time most contractors like you spend on property that doesn’t belong to you, it’s probably not hard to imagine that at some point you could cause or be blamed for a ladder scratching a hardwood floor, or for someone tripping on your extension cord and breaking their wrist.
Learn more about General liability for contractors.
Errors and omissions insurance (also known as professional liability), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If someone thinks you didn’t deliver the services you agreed to provide, they can make a claim that it has to be redone. Your coverage will help pay for costs to defend your business or fix the problem.
How much does contractor insurance cost?
You can save up to 25% in discounts when you buy contractor insurance with ERGO Next. The exact amount you pay will depend on:
- The types of projects you work on
- Where your projects are located
- Your payroll and the kinds of jobs our employees do
- The number and types of vehicles you use at work
Business insurance has never been easier
Fast
Buy your policy in just 10 minutes and you can save up to 25%*
Flexible
Set up monthly or annual payments, and get unlimited proof of insurance at no extra cost
Convenient
Do it all 100% online or talk to a licensed U.S.-based advisor
Other important business insurance coverage for contractors
Workplace injuries happen more frequently than you might think, especially in your line of work. Workers’ compensation for contractors makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from accidentally putting a foot in the way of the nail gun.
This coverage is required for businesses with employees in every state except Texas.
You’ll need commercial auto insurance in most states if you own work trucks that are titled to your business.
You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own truck to job sites it probably won’t be covered under your personal car insurance.
You might consider adding tools and equipment coverage if you frequently work at different locations because it will provide financial protection for your equipment wherever you go. This coverage can be added to your general liability insurance to help cover repair and replacement costs for all your gear, from allen keys to wrenches — and all the compressors in between.
Customer reviews
Frequently asked questions about contractors insurance
How can I get a certificate of insurance (COI)?
I’m a jack-of-all-trades. Which policy will meet my insurance requirements?
If I’m a general contractor, does this insurance allow me to hire subcontractors?
- Have legally-required licenses
- Carry their own business insurance with limits equal to or greater than your own
- Name you as an additional insured on their policy
Will my policy include coverage for work that I don’t have a license for?
How do I change my limits?
- Log in to www.nextinsurance.com using your email or phone number
- On the homepage of your customer account, click the blue arrow to the right of the policy you'd like to update
- Select the package that has the limits you want and click "Update plan"
- Read over the statement, confirm you agree and click "Confirm update"
