Contractor Insurance

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Get Contractor Insurance for Your Business Today

From large construction projects to small home upgrades, contractor insurance can help keep you covered as you work. Get the protection you need from our partner, Tivly.
 
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What Is Contractor Liability Insurance?

Contractor liability insurance can help protect your small business when something unexpected occurs. This includes protection for your business’ assets and employees.
 
Contractor liability coverage offers you peace of mind, knowing you’re better prepared if the unexpected happens.

What Kind of Insurance Does a Contractor Need?

Most contracting businesses have a Business Owner's Policy (BOP). It helps protect them from claims of bodily injury or property damage made against their business. A BOP combines three essential coverages:
 
  1. General liability insurance helps protect your contracting business from claims that it caused bodily injury or property damage to someone else.
  2. Commercial property insurance helps protect the owned or rented building, tools, equipment, inventory and materials that you use to operate.
  3. Business income insurance helps replace your income if you can’t operate because of property damage caused by fire, wind, theft or vandalism.
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How Much Is Liability Insurance for Contractors?

The cost of liability insurance for contractors varies because every business has unique needs. Insurers also use different factors to determine rates. The best way to find out how much contractor insurance will cost you is to get a quote today. Our partner, Tivly, can work with you to understand your business’ risks and help you get the coverage you need.

Protecting Your Property

Whether you need paint brushes, ladders or a forklift, having the right equipment is important for your job. That’s why we offer insurance coverage that can help repair or replace equipment that’s been damaged by fire, theft or other covered events.
Only 22% of stolen equipment is recovered.1
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Stolen Equipment

“We put all of our tools back in our storage shed after using them. One morning when I went to load my truck, I noticed the lock to the shed was broken. Turns out someone cut it and stole a bunch of our tools during the night.”
 
Contractors equipment insurance can help cover property damage or missing contracting equipment. It can help pay for losses from theft.
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Car Accident

“My employees know it’s important to be on time for jobs. As one of our workers was rushing to his next appointment, he rear-ended another car in our company van.”
 
Commercial auto insurance can help cover costs of an auto accident if you or your employees are at fault while driving for work.

Taking Care of Your Team

From lifting heavy items to climbing up ladders, your workers face risks every day. To help make sure they’re protected, you want the right business insurance coverages.
2.4 million workers received emergency treatment for a work-related injury in 2019.2
contractor insurance policy

Employee Injury

“We were doing a painting job when one of my employees fell off the ladder. He broke his arm and needed time off to recover.”
 
Workers’ compensation insurance can help provide benefits to employees with a work-related injury or illness, helping pay for their medical care.
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Employee Mistake

“We installed new electrical outlets throughout a client’s home. After about a week, a small fire started in one of them. We had to remove them and replace all the outlets.”
 
Contractor’s Broadening can help cover unexpected or unintended property damage because of work that you performed.

Covering Your Contractor Operations

Building your business took hard work. Getting the right small business insurance can help make sure it’s protected.
Fire damage claims cost an average of $35,000 and impact 10% of small businesses.3
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Fire Damage

“I keep all the tools for my contracting business in a building that I rent. One night, I received a call that the place caught fire. My tools were pretty badly damaged.”
 
Commercial property insurance can help cover the owned or rented property you use to operate, like your tools or inventory.
insurance for contractors

Client Lawsuit

“I installed updated plumbing in one of my client’s homes. The threads on the adjoining pieces were slightly off, causing a leak behind the wall. The wall had to be torn down so I could reach the leaky pipe and fix it.”
 
Get help paying for unexpected or unintended property damage from work that you performed with Contractor's Broadening.
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Contractors Insurance That Has Your Back

Get the insurance protection you need from our partner, Tivly.
 
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For Larger Firms

Larger contractors typically require specialized insurance coverage.
Learn About Business Needs
 
 
Last Updated: April 8, 2025
 
1 National Insurance Crime Bureau, “2015 Theft Report.”
 
2 Centers for Disease Control and Prevention (CDC), “Fast Facts.”
 
3 The Hartford, “The Hartford Reports: More Than 40 Percent of Small Businesses Will Experience a Claim in the Next 10 Years.”
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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