Contractor Insurance

It takes about 10 minutes to get a contractor insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see your price. If you like what you see, you can buy online and get unlimited access to sharable certificates of insurance (proof of insurance) at no extra cost.

Once you have an ERGO NEXT policy, you’ll have access to your certificate of insurance (COI) 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text. Get unlimited certificates and add an additional insured at no additional cost. Make changes to your coverage and your COI updates automatically.

If you do minor repairs or maintenance services, the ERGO NEXT handyman policy is limited to small jobs. It’s not a fit for work that might require a license, permit or inspection. If your operations scale larger, or if you have a specialty, we recommend selecting all of the types of tasks you perform. Or if you use subcontractors, take a look at our general contractor policy. Note that all of our business insurance policies require that you have the legally required licenses for the work you do in your state. Be sure to check your local rules to make sure you’re compliant.

Yes, you can hire subcontractors, and claims arising out of your subcontractor’s work can be covered under your ERGO NEXT insurance policy. If you’re using subcontractors for a job, ERGO NEXT requires your subcontractors to:

• Have their own legally-required licenses.
• Carry their own business insurance with limits equal to or greater than your own.
• Name you as an additional insured on their policy.

It’s the general contractor’s responsibility to keep this documentation on file in case of a claim.

If your state requires a license to do a job, we do, too. However, in most states where insurance is a requirement to get your professional license, you can buy your policy before you get your license on the condition that you agree to have all required licenses in place before working. If you’re not operating your general contractor business legally, it’s likely that an insurance claim won’t be covered. If your state doesn’t require you to carry a license for a line of work, you are still welcome to apply for a policy.

To change or update your limits:

1. Log in to your ERGO NEXT Insurance account.
2. In 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 the statement, confirm that you’re in agreement and then 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 manually. Please email us at support@nextinsurance.com and include a description of the limit change and the effective date of the change. The policy change may result in a one-time charge for the difference in premiums. If this is the case, the charge may be added to your next monthly payment. Once payment is processed, you will receive the insurance endorsement and confirmation of the one-time charge via email within seven to 10 business days.

Your ERGO NEXT contractor insurance policy may cover independent contractors in some circumstances. If they’re workers performing jobs for your business, likely not. But depending on the state laws where you work, even if you think of your workers as independent contractors, they may actually be classified as employees and they could be covered under your policy.

If you’re a solo practitioner, ERGO NEXT can provide independent contractor liability insurance and more for the construction trade, including subcontractors. We could also cover office workers, creatives and professionals who work as self-employed freelancers, solopreneurs, and independent contractors. Even if you don’t work full-time, we have a policy that can fit your budget and help protect you from some of the costs of liability, legal action, repairs and injuries.

Learn more about business insurance for the self-employed.

Learn more about business insurance for subcontractors.

Learn more about business insurance for freelancers.

Electrical contractor insurance could help protect working electricians from some financial liability if someone gets hurt on the job, the costs of accidental damages that you or your employees cause to someone else’s property, some work mistakes and some legal defense costs. And coverage may be a necessity to help you get your license, replace stolen tools or business gear, protect your work space and your employees, and to drive for work.

Learn more about electrical contractor insurance.

HVAC contractors insurance could help protect your business in many ways, and getting a quote takes about 10 minutes online.

Simply answer a few questions about things like the work that you do, where you do it and the size of your business. We’ll show you your exact price for coverage. If you like what you see, you can buy online — no agent required — and enjoy protections from some costs around work-related injuries and damages, stolen or damaged tools, some workmanship error costs, liability and more.

Learn more about HVAC contractor insurance.