Comprehensive Coverage for Builders, Tradesmen & Contractors
Contractor Insurance | Coverage for Builders & Trade Professionals | Barnard Donegan Insurance
The construction and contracting industry is filled with risks and liabilities—from property damage and employee injuries to equipment theft and legal disputes. Without the right insurance, one unexpected event could put your business at risk.
At Barnard Donegan Insurance, we specialize in custom contractor insurance policies designed to protect general contractors, electricians, plumbers, painters, HVAC technicians, and other skilled tradespeople from financial losses.
Why Do Contractors Need Specialized Insurance?
Unlike standard business insurance, contractor insurance covers the specific risks associated with construction sites, contracting work, and job-related hazards. Whether you operate solo, manage a team, or run a construction company, having the right coverage ensures your business stays protected from liability claims, property damage, and project delays.
1. General Liability Insurance for Contractors
✔ Third-Party Injury & Property Damage – Covers bodily injury or property damage claims caused by your work.
✔ Completed Operations Coverage – Protects against claims related to past projects or faulty workmanship.
✔ Legal Defense & Settlements – Helps cover attorney fees, court costs, and settlements from liability claims.
✔ Required for Many Contracts – Essential for bidding on commercial or government projects.
2. Workers’ Compensation Insurance
✔ Covers Employee Injuries & Medical Expenses – Ensures workers receive medical treatment and lost wages if injured on the job.
✔ Protects Against Lawsuits – Covers legal fees and settlements if an employee sues over a workplace injury.
✔ Compliance with State Laws – Most states require workers’ comp for contractors and construction businesses.
✔ Covers Independent Contractors (Optional) – If you hire subcontractors, coverage can be extended for their protection.
3. Commercial Auto & Equipment Coverage
✔ Fleet & Work Truck Protection – Covers company vehicles, vans, and trucks used for business purposes.
✔ Inland Marine Insurance – Protects tools, materials, and construction equipment in transit or at job sites.
✔ Equipment Breakdown & Replacement – Covers repairs or replacements for damaged machinery.
✔ Rental Reimbursement for Equipment Failures – Ensures you can continue working without costly downtime.
4. Builders Risk & Property Insurance
✔ Covers Structures Under Construction – Protection for buildings, materials, and project sites.
✔ Theft, Vandalism, & Fire Protection – Ensures contractors don’t face financial loss from job site damages.
✔ Covers Temporary Structures & Materials – Protection for scaffolding, fencing, and on-site storage.
5. Professional Liability (Errors & Omissions Insurance)
✔ Covers Design & Planning Mistakes – Protection for architects, engineers, and contractors who provide design services.
✔ Legal Defense for Faulty Workmanship Claims – Covers costs related to errors, omissions, or project disputes.
Who Needs Contractor Insurance?
Our contractor insurance policies are tailored for:
✔ General Contractors – Managing large-scale commercial or residential projects.
✔ Subcontractors & Independent Contractors – Including plumbers, electricians, carpenters, and painters.
✔ HVAC, Roofing & Landscaping Companies – Specialized protection for property improvement trades.
✔ Handymen & Small Business Owners – Affordable coverage for self-employed professionals.
✔ Construction & Remodeling Companies – Full protection for property developers and home builders.
Why Choose Barnard Donegan Insurance for Contractor Coverage?
✔ Industry-Specific Coverage – Tailored insurance solutions for construction, trades, and skilled labor professionals.
✔ Affordable & Flexible Plans – Competitive rates for solo contractors, small businesses, and large construction firms.
✔ Certificate of Insurance (COI) Assistance – Quick access to proof of coverage for contract bids and licensing.
✔ Claims Support & Risk Management – We help prevent accidents, handle claims, and reduce insurance costs.
Get a Free Contractor Insurance Quote Today
Don’t leave your business, tools, and employees exposed to unnecessary risks. With a custom contractor insurance plan, you’ll have peace of mind knowing your projects, team, and finances are protected.
Let’s build a policy that works for you.
FAQs – Contractors Insurance
What types of insurance coverage do contractors need?
Contractors, such as electricians, HVAC technicians, and plumbers, typically need general liability insurance, workers’ compensation, commercial auto insurance, tools and equipment coverage, and professional liability insurance. The specific coverage depends on the services you offer and the risks involved in your work.
Why is general liability insurance important for contractors?
General liability insurance is crucial because it protects your business from third-party claims of property damage or bodily injury that occur on the job. For example, if you accidentally cause damage to a client’s property or if a third party is injured at a job site, general liability insurance will cover the associated legal and medical costs.
Do I need workers' compensation insurance for my contracting business?
Yes, workers’ compensation insurance is required by law in most states if you have employees. It covers medical expenses and lost wages if your employees are injured on the job. This is especially important for high-risk professions like HVAC technicians, plumbers, and electricians, where physical labor and hazardous environments are common.
What does tools and equipment insurance cover?
Tools and equipment insurance covers the repair or replacement of your tools and equipment if they are lost, damaged, or stolen. For contractors who rely on expensive tools for their work, this coverage ensures that your business can continue operating without significant financial loss due to damaged or missing equipment.
Do contractors need professional liability insurance?
Professional liability insurance, also known as errors and omissions insurance, is important for contractors who provide design, consultation, or advisory services. It protects you if a client claims that your work was negligent or incomplete, leading to financial losses or further damage.
Why do contractors need commercial auto insurance?
Contractors often use vehicles to transport tools, equipment, and employees to job sites. Commercial auto insurance covers accidents, damages, and injuries that occur while using work vehicles. It’s essential for any contractor who operates a fleet or even a single vehicle for business purposes.
Can I bundle different types of insurance for my contracting business?
Yes, many insurance providers offer package policies or bundling options that allow contractors to combine general liability, workers’ compensation, commercial auto, and other coverages. Bundling can help save on premiums and ensure that all aspects of your business are adequately protected.
What is the difference between general liability and professional liability insurance for contractors?
General liability insurance covers bodily injury, property damage, and other third-party claims, while professional liability insurance covers claims related to errors, omissions, or negligence in your professional services. General liability is important for all contractors, while professional liability is more relevant for those providing advisory or design services.
How much does contractors insurance cost?
The cost of contractors insurance depends on several factors, including the size of your business, the type of work you do, your geographic location, the number of employees, and your claims history. Contractors in higher-risk trades (like electricians or HVAC technicians) may have higher premiums due to the nature of their work.
How do I determine the right amount of insurance coverage for my contracting business?
The right amount of insurance coverage depends on the specific risks your business faces. An experienced insurance advisor can help assess your business’s needs based on factors like the size of your business, the services you offer, the number of employees, and the value of your equipment. Customized policies ensure you’re fully protected without paying for unnecessary coverage.
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