General contractor insurance that's made for your Maine business
We’re dedicated to helping you get the general contractor insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for general contractor business in Maine include:
- General liability
- Professional liability
- Workers’ compensation
- Tools & equipment
- Commercial property
You can save up to 25% on general contractor insurance in Maine
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Find the right general contractor business insurance in Maine
We have all the business insurance you might need for your general contractor business in Maine. And you save up to 10% when you combine coverage.
General Liability
Bought by 95% of business owners like you
General liability insurance is included in most business insurance packages, including general contractor business, because it covers the risks that many business owners face every day. It’s not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Bought by 80% of business owners like you
Professional liability insurance can help to pay for damages and lawsuit costs if you or your general contractor business is accused of work errors or incomplete projects that cause a client to lose money.
professional liability can help you pay for:
Legal defense costs
Legal judgments
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance protects employees and general contractor business owners from financial losses after a workplace injury or illness. It can help with reimbursing medical bills, rehabilitation costs, lost wages and other expenses.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
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.nTools and equipment insurance is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Protection for your gear and equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance helps to protect the items you need to run your general contractor business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much does General contractor insurance in Maine cost?
General contractor insurance costs vary based on the risks that your business faces, such as:
- Where you work
- The kind of work you do
- Your payroll and the kinds of jobs your employees do
- The number and types of vehicles you use at work
General contractor business in Maine typically pays about $13 each month for a business insurance policy.
You can save up to 25% in discounts on business insurance, depending on the kind of work you do. More risky professions can expect to pay more.
General contractor insurance requirements in Maine
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Help pay for accidents that cause damage to property that isn’t yours.
- Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about general contractor business insurance
Here are some of the most common questions we get about general contractor business 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.
Does NEXT Insurance offer general contractor business insurance in Maine?
Yes, NEXT Insurance offers tailored general contractor business insurance in Maine.
Does NEXT Insurance offer Commercial Property coverage for general contractor business in Maine?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in Maine.
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.How can I get a certificate of insurance?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
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More professions that are covered by NEXT
Home Renovation Contractor, Siding Installation Contractor, Paving and Asphalt Contractor, Paperhanger, Insulation Contractor, Solar Contractor, Fence Installation Contractor, Lawn Care, Snow Plowing, Painters, Landscaping, Drywall Contractor, Concrete Contractor, Tile, Stone and Flooring Installer, Excavation Contractor, HVAC Contractor, Debris Removal, Mason, Electrician, Carpenter, Roofing, Welding, Plumber, Appliance Technician, Handyman, General Contractor
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.