Insulation Contractor Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability Insurance

General Liability

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Workers’ Compensation insurance

Workers' Compensation

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Contractors' E&O

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Tools & Equipment

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Other Coverages

Other Coverages

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Insulation contractor insurance that's made for your business

Insulation contractor insurance that's made for your business

NEXT specializes in providing customized insurance for small businesses and the self-employed. We offer affordable coverage tailored to insulation contractors so you are always protected against unpredictable events. The most common insurances packages bought by insulation contractor business owners include:

  • General liability
  • Contractors’ E&O
  • Workers’ compensation
  • Tools & equipment
  • Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different insulation contractor business insurance policies available and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers the risks that affect almost every insulation contractor. It’s the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O

Contractors’ E&O

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake or missing a deadline that causes someone to lose money. For example, if you are accused of damaging a sprinkler system while repairing a ceiling, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance protects employees and insulation 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

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.

inland marine can help you pay for:

Equipment Owned By You
Miscellaneous Tools Owned By You
Employee Tools and Clothing
And more...
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance covers insulation contractor business property, which can include the repairs, construction and related expenses if you own the building where you do business. And it can help you whether you lease space or own the property where you work.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses

What customers say about us

Easy to use.

Very easy to use, no need to wait for an agent to make the certificate. Good customer service. The price is good compared to the market.

Herminia R.

Simple and easy to navigate.

Simple and easy to navigate.

Juan A.

Quick & Easy Process

I bought multiple policies quickly and at a rate that beat anyone else. The process was quick and easy. The app works great providing certificates, coverages, accord, and the polic...

Jordan C.

Quick and convenient

The site is very useful and the process super easy

Randy H.

great prices

easy to use and very helpful

Damian G.

Super easy,

Super easy getting approved and finalized with the absolute best rate of any other company and i compared quite a few

Andrew M.

Commercial Insurance

Obtaining insurance with this carrier was quick and easy and efficient. Most of all affordable and convenient.

Steven C.

Easy to use.

Very easy to use, no need to wait for an agent to make the certificate. Good customer service. The price is good compared to the market.

Herminia R.

Simple and easy to navigate.

Simple and easy to navigate.

Juan A.

Quick & Easy Process

I bought multiple policies quickly and at a rate that beat anyone else. The process was quick and easy. The app works great providing certificates, coverages, accord, and the polic...

Jordan C.

You can save up to 25% in discounts on insulation contractor insurance

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
How much does insulation contractor insurance cost?

How much does insulation contractor insurance cost?

Insulation 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

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.

Learn more about insulation contractor insurance costs and coverage.

Why does an insulation contractor need business insurance?

Why does an insulation contractor need business insurance?

Insulation contractor business needs insurance to help stay protected from financial losses after accident. It can also offer protection from costs related to business disagreements, and it can help you qualify for licenses. You might need insurance to:

  • Align with industry standards and state requirements for a insulation contractor business.
  • Change with your business as you experience fluctuations.
  • Hire employees. 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.

Frequently asked questions about insulation contractor business insurance

Here are some of the most common questions we get about insulation 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 tools & equipment coverage for insulation contractor?

Yes, NEXT Insurance offers tools & equipment insurance, general liability, contractors’ E&O, workers’ compensation and commercial property coverage for insulation contractor businesses.

Does NEXT Insurance offer commercial property coverage for insulation contractor?

Yes, NEXT Insurance offers commercial property insurance, general liability, contractors’ E&O, workers’ compensation, and tools & equipment coverage for insulation contractor businesses.

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 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 customer, all you need to do is log in to your account and your Certificate delivers you the proof of insurance you need instantly. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited access to customized certificates 24/7 at no additional cost. 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.

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.

Next Insurance, small business insurance
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
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More professions that are covered by NEXT

Appliance Technician, Building Sign Installation, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Glazier, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plastering and Stucco Work, Plumber, Roofing, Siding Installation Contractor, Welding, Tile, Stone and Flooring Installer, Waterproofing
* 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.
What we cover
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.