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Contractors Insurance

You can save up to 25% in discounts with instant coverage.*

Contractors insurance
Contractors insurance

Get the contractor insurance you need to get the job done

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 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

Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping

Business insurance has never been easier

Get customized business insurance to protect you and your clients
Business insurance in less than 10 minutes

Get covered in 10 minutes and you can save up to 25% in discounts

Easy monthly payments

Instant proof of insurance and easy monthly payments

Get business insurance online

Do it all 100% online or talk to a licensed U.S.-based advisor

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.
Next Insurance, small business insurance
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How much does insurance cost

How much does contractor insurance cost?

You can save up to 25% in discounts when you buy contractor insurance with 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
Get Instant Quote - NEXT insurance

Take a few minutes to get an instant quote and see how much business insurance will cost.

Dedicated small business insurance

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.

Get business insurance coverage

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.

Other important business insurance coverage for contractors

Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your tools and equipment and your vehicles.
We typically recommend:
Workers' Compensation Insurance
Workers’ Compensation 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.

Learn more about workers’ comp insurance.
Commercial Auto Insurance
Commercial Auto insurance for construction businesses

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.

Learn more about commercial auto insurance.
Tools & Equipment Insurance
Tools & Equipment insurance for contractors

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.

Learn more about tools & equipment insurance.

Frequently asked questions about contractors insurance

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

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.

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.

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

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. If your state doesn’t require you to have a license for a certain line of work, you are welcome to apply for a policy.

How do I change my limits?

To update your limits, please follow these instructions:
  1. Log in to using your email or phone number
  2. On the homepage of your customer account, click the blue arrow to the right of the policy you'd like to update
  3. Select the package that has the limits you want and click "Update plan"
  4. Read over the statement, confirm you agree and click "Confirm update"
Your limit change will process immediately, and you'll have instant access to a certificate that reflects your updated limits. In some cases, we may need to process your request. Please email us at and include a description of the desired limit change and the effective date of the change. In some cases, this may result in a one-time charge for the difference in premiums that may be added to your next monthly payment. Once this is processed, you will receive the appropriate endorsement and confirmation of the one-time charge amount in your email inbox within 7 to 10 business days.
* 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.
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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.