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General contractor insurance

General Contractor Insurance

Save up to 30% on business insurance
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Business insurance for general contractors has never been easier

Next Insurance streamlines business insurance with coverage designed for small businesses and the self-employed
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Get covered in less than 10 minutes and save up to 30%
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Instant proof of insurance and easy monthly payments
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Do it all 100% online or talk to a licensed U.S.-based advisor

General contractor liability insurance designed to protect your business

Next Insurance is a one-stop-shop to help you get the general contractor insurance you need to protect your business from accidents, injured employees, legal fees and damaged vehicles.  Our insurance packages typically include: 

  • General liability
  • Workers’ compensation
  • Commercial auto
  • Tools and equipment
  • Commercial property
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A one-stop-shop for general contractors business insurance

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for general contractors and save 10% when you bundle.
GENERAL LIABILITY

GENERAL LIABILITY

Bought by 95% of business owners like you
Get coverage for damages to third parties and basic risks in your industry. General liability protects a wide-range of incidents, from accidents to copyright infringement.
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GENERAL LIABILITY can help you pay for:
Medical payments
Property damage
Advertising harm
Personal Injury
PROFESSIONAL LIABILITY

PROFESSIONAL LIABILITY

Bought by 80% of business owners like you
Protect your business and reputation from lawsuits and negligence claims. The specific coverage varies based on the industry, so Next tailors your coverage to what you need.
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PROFESSIONAL LIABILITY can help you pay for:
Medical payments
Property damage
Advertising harm
Personal Injury
COMMERCIAL AUTO

COMMERCIAL AUTO

For business owners that use vehicles
If you’re driving for your business, you need a safety net in case of auto or equipment accidents. Get covered for accident liability, rentals, tows, and more.
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COMMERCIAL AUTO can help you pay for:
Liability
Uninsured motorist
Collision
Comprehensive
Towing and labor
Locksmith
Rental reimbursement
Medical Payments
Hired Auto Liability
Non Owned Auto Liability
WORKERS' COMPENSATION

WORKERS' COMPENSATION

For business owners who hire employees
Cover your business and employees in case of accidents requiring medical attention while on the job. It inspires trust with your employees and protects you in case of emergency.
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WORKERS' COMPENSATION can help you pay for:
Medical Care
Lost Wages
Employee Death
Liability as an employer
TOOLS & EQUIPMENT

TOOLS & EQUIPMENT

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs. Tools and equipment insurance is available as an add-on to our general liability insurance.
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TOOLS & EQUIPMENT can help you pay for:
Equipment Owned By You
Miscellaneous Tools Owned By You
Employee Tools and Clothing
Borrowed Equipment
COMMERCIAL PROPERTY

COMMERCIAL PROPERTY

For business owners who own or rent physical spaces
Property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
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COMMERCIAL PROPERTY can help you pay for:
Building
Business Personal Property - Fire
Business Personal Property - Theft
Business Personal Property
Business Income
Debris Removal
Employee Dishonesty
Money and Securities
Water Back-up & Sump Overflow
Ordinance or Law
Utility Services - Time Element

Save up to 30% on General Contractor insurance

Choose from three levels of protection to get the coverage you need.
You can pay for your insurance package on a monthly or annual basis and you can cancel instantly at any time.

How much does general contractor insurance cost?

General contractor insurance costs vary based on the risks that your business faces, such as:

  • 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

General contractors save up to 30%, depending on the kind of work that’s done. More risky professions can expect to pay more.

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General contractor insurance requirements

General contractors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get a general contractor license. Learn more about the general contractor license requirements in your state.
  • Win a bid or start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees or subcontractors. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Frequently asked questions about business insurance

Here are some of the most common questions we get about general contractor insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect general contractors?

Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A distracted homeowner trips over your extension cord breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.

Damage to your own property

A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.

I’m a general contractor, does this insurance allow me to hire subcontractors?

Yes! We do require that your subcontractors have the legally required licenses, their own insurance with limits that are equal to or greater than your own, and that they have you named as an additional insured on their policy. You’ll also need to keep this documentation on file for an adjuster to review in case of a claim.

I need to add a General Contractor or employer as an additional insured, can I do that with this policy?

Absolutely! We know this is a common need for contractors, so we’ve given you the power to create certificates of insurance and add additional insureds right from your customer account, 24/7, with Live Certificates. You can read more about our Live Certificates and how they work here. If your contractor needs special language on the certificate or other forms (called endorsements), please send a sample certificate to support@nextinsurance.com and an agent will be happy to review those requirements with you.

What is Contractors’ Errors and Omissions coverage?

Contractor’s Errors & Omissions coverage is intended to protect against faulty work or accidental damage to your product. This coverage is important if you work on a property that belongs to a third party but is in your care during the job, or if you construct products for your clients and want coverage in case mistakes are later discovered.

I subcontract out all of my work. Am I still eligible for a quote and policy?

Of course! In this case, we recommend filling out an application for our General Contractor policy. Please review the subcontractor requirements carefully, so that in case of a claim, you’ll have all of the necessary paperwork.

What is General Liability Insurance?

General Liability insurance (often called “slip and fall” insurance) can protect your business against claims where you accidentally cause third party bodily injury or property damage. Usually, the third party is a client or a homeowner, but other people like neighbors or even random people walking down the street would be considered third parties as well.

What do the policy limits mean?

The limits on the policy decide how much money you have available in case of a claim - you can think about them like a budget. The most important limits to consider when determining your package are the per occurrence limit, which is your available budget per claim, and the aggregate limit, which is your available budget for the policy term.

Will this cover my tools and equipment?

Unfortunately, General Liability policies do not offer coverage for personal or business property. For protection for those items in case of damage or theft, we suggest checking in with a local agent about the availability for an Inland Marine policy, a Contractor’s Tools and Equipment policy, or another type of property policy.

Who is covered under this policy?

Good question! This actually depends on your business structure. We offer policies for individuals, LLCs, and more! If you’re not sure which one you are, we recommend checking with the department where you registered your business or filed for your licence. If you’re a registered LLC or corporation, our policies can offer coverage for your reported W2 employees, and in certain situations can extend as excess or umbrella coverage over a subcontractor’s (a 1099 employee) own policy. More information about our subcontractor requirements can be found in the “About Your Business” portion of the application, or by contacting our support team.

If I subcontract all of my work, why do I need General Liability coverage?

There are a few reasons you could still need General Liability coverage as a general contractor:

  • You may still be at risk of causing damage during a site visit, especially if you run projects that are remodels or additions, where a third party's property is potentially vulnerable.
  • You could be at risk for Personal and Advertising Injury, which includes accidental copyright infringement, defamation of character, advertising infringement, or caused some other form of non-tangible harm.
  • You could be held responsible if you instruct your subcontractors to operate a certain way, and injury arises because of your method, especially if your instructions corrected or changed the actions or processes of your subs.
  • You could be held responsible for certain actions of your subcontractors, as you were responsible for hiring them.

I filled out a _______ application, what does that cover?

In general, our trade specific policies only offer coverage for the operations listed in the application, and the normal job components associated with them. If you offer a variety of services, especially if you have a specialty, we recommend filling out our General Contractor application.

I’m a jack-of-all-trades – what policy do I need?

We have a couple of policies that could be right for a jack or jill of all trades! Our Handyperson policy might be the best fit if you offer minor repair or maintenance services. This policy is limited to small jobs and is not a fit for jobs that might require a license, permit or inspection at any point. If your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our General Contractor application, where you will have the opportunity to add coverage from a list of coverable activities. Note: all of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant.

Will my policy include coverage for work that I don’t have a license for?

There are a couple of options here:

  1. If your state requires a license, we do too. However, in most states where insurance is a requirement to get your license, we do offer the ability to purchase the policy on the condition that you agree to have all the required licenses before working. But it’s important to remember: if you are not operating legally, a claim will likely not be covered.
  2. If your state doesn’t require you to have a license for a certain line of work you are welcome to apply for any trade specific policy, a Handyperson, or General Contractor policy. You can take a look at our jack-of-all-trades FAQ for how to decide between those two.

How do I cancel my policy?

How do I cancel my policy? We’re sorry to see you go! To cancel your policy:

  • Log in to www.nextinsurance.com using your email and zip code.

  • On the homepage of your customer account click “View Details” on the tile for the policy you’d like to cancel.

  • Lastly, click “Cancel coverage”.

Once you complete the request, we process it effective immediately. You’ll receive confirmation and a refund for any unused premium within a few business days.