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Each general contractor is different, and as a result, each general contractor’s insurance cost will be different. Given the variety of types of jobs you take on, that probably won’t come as a surprise. The cost of general contractor liability insurance for your business will be based on a variety of factors, including the types of work you do, how many employees you have, and where you work.
Costs can be quite different between businesses. Your general contractor insurance rates will differ than those of a friend or neighbor, whose business might be quite different. Even so, here are a few general contractor liability insurance costs that are constant for our customers. First of all, you’ll never have a huge payment, since we allow you to pay for your general contractor insurance monthly, rather than annually. You also won’t need to worry about a huge deductible, since all general liability policies for general contractors have a $0 deductible. There’s no fee for the certificates of insurance you might be asked to present, even if you need to add an additional insured. Most importantly, you can choose your level of coverage based on your needs.
All our policies were designed with you in mind, and were built to help you and your business grow with confidence. Below you’ll find the details of what general contractors insurance costs our customers, and you can check our general contractor insurance coverage to see if it makes sense for you. It’s important to remember that costs can vary, and the best way to get a sense of what your insurance will cost is to fill out our quick and easy online application. When you’re ready, get your personal general contractor insurance quote, and buy your policy online.
General liability insurance usually costs our customers between $750-$982 annually, or $62-$83 per month.
There are certain general contractor insurance costs that general liability insurance can protect against. These include:
General liability coverage is certainly one of the most critical types of general contractor insurance coverage, as it makes sure your business is covered, even if something you didn’t anticipate happens. It can include legal expenses, medical costs and more.
Professional liability insurance is connected to the work you do and your role as a general contractor.
While general liability covers accidents that could happen to any business, such as someone tripping and getting injured or causing damage to property, professional liability is far more specific. If you didn’t install a floor properly and it needs to be redone, didn’t properly install a light fixture which needs to be replaced or failed to properly secure cabinets in a kitchen you renovated, you could be facing a professional liability claim. These claims are usually smaller than general liability claims, and our professional liability general contractor insurance rates reflect that fact. All general contractor policies also include products completed coverage, so you’re covered even after you’re done.
Professional liability coverage is included in the Pro and Pro Plus plans we offer. It’s not available separately, and can only be purchased as part of a larger policy.
starting from $62.50 per month
$300,000 aggregate limit
Not includedBuy My Policy
$1,000,000 aggregate limit
$25,000 aggregate limit
$2,000,000 aggregate limit
$50,000 aggregate limit