Coverage Built for Contractors & Trades
From jobsite accidents to equipment damage, contractor insurance is designed to protect tradespeople from the everyday risks of construction and field work. Whether you're a solo handyman or run a growing crew, we’ll help build a plan that fits your work and risk level. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
What Does Contractor Insurance Cover?
Depending on your trade, contractor insurance may include general liability, tools & equipment coverage, workers’ comp, commercial auto, and bonds. We’ll explain what’s required and what’s smart to have. We tailor each policy to fit your operations, explain your coverage clearly, and help ensure you're not paying for what you don’t need while avoiding risky gaps.
Why Contractors Trust Local Coverage
We know how Southern Illinois projects operate. Our contractor insurance packages are tailored for general contractors, electricians, plumbers, HVAC, painters, and more.
Core Coverages
General Liability
Protects against property damage or injuries caused during your work.
Tools & Equipment
Covers gear stolen from trucks or damaged on the jobsite.
Workers’ Comp
Required if you have employees. Helps with injuries and lost wages.
Contractor Insurance FAQs
Can I get insured as a subcontractor?
Yes. We work with many independent tradespeople who need flexible coverage.
Does it cover damage to a customer’s property?
Liability insurance helps cover accidental damage caused by your work.
Do I need a bond too?
Some jobs require bonds in addition to insurance. We’ll help you decide what’s needed.
Can I insure my tools stored in my vehicle?
Yes. We can help you add inland marine or scheduled equipment coverage.