Contractor Insurance

Business Insurance for General Contractors & Specialty Trades

Contractors face unique liability exposures on every job site — from property damage and bodily injury to completed operations claims that can surface years after a project is finished. At Midwest Insurance Partners, we understand the construction and trades industry and help you build a coverage program that protects your business, your crew, and your clients.

Whether you're a sole proprietor or run a multi-crew operation, we shop multiple carriers to find the right coverage at a competitive price.

Coverage Types We Offer:

• General Liability — Covers bodily injury and property damage caused by your work or your business operations.

• Workers' Compensation — Covers your employees for injuries and illnesses that occur on the job. Required in most states.

• Commercial Auto — Covers your work trucks, vans, and equipment vehicles used in the course of business.

• Builder's Risk — Covers buildings and structures under construction against damage from fire, wind, theft, and vandalism.

• Inland Marine / Tools & Equipment — Covers your tools, equipment, and materials while in transit or at a job site.

• Commercial Umbrella — Provides extra liability coverage above your primary limits for major claims.

• Professional Liability / E&O — Covers claims arising from design errors, faulty advice, or professional mistakes.

• Surety Bonds — Many clients and municipalities require performance and payment bonds for contract work.

Trades We Insure:

• General Contractors

• Roofing Contractors

• Electrical Contractors

• Plumbers & HVAC Technicians

• Concrete & Masonry

• Landscaping & Excavation

• Painting Contractors

• Carpentry & Framing

• Flooring & Tile Installers

• Independent Handyman Services

Two colleagues collaborating on a project at a table in a modern office.

Frequently Asked Questions

Please reach us at brian@thesturgillagency.com if you cannot find an answer to your question.

Do general contractors need their own insurance, or can they rely on the property owner's policy?

Yes — contractors always need their own General Liability insurance. A property owner's policy protects the owner, not the contractor. If you or your crew cause property damage, bodily injury, or a defect in your work, you are personally liable without your own GL policy. Most clients, GCs, and municipalities will also require proof of insurance (a Certificate of Insurance) before allowing you to start work. A GL policy from Midwest Insurance Partners can be tailored to your specific trade and job site risks.

Is workers' compensation required for contractors?

Most states require workers' compensation insurance if you have employees, and many general contractors require subcontractors to carry it before they can work on a job site. Even sole proprietors benefit from workers' comp coverage since a work injury could otherwise mean lost income and out-of-pocket medical costs. We help contractors of all sizes find affordable workers' comp policies that meet state requirements and client contract demands.

What is completed operations coverage and why does a contractor need it?

Completed operations coverage is part of your General Liability policy that protects you after a job is finished. If a client files a claim weeks or months after project completion — for example, saying your electrical work caused a fire or your plumbing caused water damage — completed operations coverage responds to that claim. Without it, you could be personally responsible for costly lawsuits long after you've moved on to other jobs. This coverage is essential for any contractor performing physical work on structures or systems.

How much does contractor insurance cost?

Contractor insurance costs vary based on your trade, crew size, annual revenue, coverage limits, and claims history. A sole proprietor handyman may pay as little as $500–$800 per year for a basic GL policy, while a roofing or electrical contractor with a crew could pay $3,000–$10,000 or more annually. Adding workers' comp, commercial auto, and inland marine coverage will increase the total premium. Midwest Insurance Partners shops multiple carriers to find you competitive rates without sacrificing coverage. Contact us for a free, no-obligation quote tailored to your specific trade.

Contractor Insurance

Business Insurance for General Contractors & Specialty Trades

Frequently Asked Questions

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