BUILDERS RISK Insurance Quote | POLLUTION LIABILITY | GENERAL LIABILITY | WORKERS COMPENSATION

 Core Coverages 

• General Liability (CGL) 
  • Covers property damage & third-party injuries 
  • Required for most jobs/contracts 
  • Typical: $1M / $2M limits 
• Workers’ Compensation 
  • Covers employee injuries + lost wages 
  • Required in California if you have employees 
  • Required for contractor licensing through CSLB 
• Commercial Auto 
  • Covers company trucks (pickups, dump trucks, mixers) 
  • Liability + physical damage 
  • Typically $1M limit required 

Strongly Recommended

• Inland Marine (Tools & Equipment) 
  • Covers tools, trailers, and equipment 
  • Theft, damage, jobsite losses 
• Umbrella / Excess Liability 
  • Adds extra $1M–$5M+ on top of GL & Auto 
  • Needed for larger or commercial projects

Situational / Depending on Business, risk tolerance and contract requirements

• Contractor’s Equipment / Property 
  • Covers yard, shop, stored materials 
• Pollution Liability 
  • Covers environmental damage (e.g., concrete washout runoff) 
  • Increasingly required by GCs 

Key Endorsements (Critical for Jobs)

• Additional Insured (AI) 
• Waiver of Subrogation (WOS) 
• Primary & Non-Contributory (PNC) 
• Ongoing & Completed Operations 

Missing these can = lost jobs or rejected contracts

 Contractor general liability insurance is a type of construction insurance that covers third-party bodily injury and property damage claims resulting from a contractor's operations. It helps protect contractors from legal costs, medical expenses, and settlements when a claim is filed against them.

Example:

• An excavator breaks a water line.
• A roofer drops materials through a skylight.
• A contractor damages a neighboring structure during construction.
   

Depending on the policy inclusions and exclusions, the General Liability policy can pay for:

• repair costs
• legal defense
• settlements

The best insurance for contractors isn’t just one policy or one company. The best protection is a combination of policies that cover the main risks contractors face—injuries, property damage, vehicles, and jobsite work. Most construction businesses carry several core policies together.

General Liability Insurance for Contractors is the most common policy that most construction companies start with. Be careful of some of the commonly overlooked types of policies and coverages when purchasing  general liability insurance such as sunset-clause, claims-made, risk retention groups and the financial ratings of the insurance carrier. 

Contractor liability insurance is a type of general liability (CGL) business insurance that helps cover costs if your work causes injury to someone else or damage to their property.

Why Contractors usually need It:

Many contractors cannot work without liability insurance because:

• general contractors require certificates 
• project contracts require it
• building permits can require proof of insurance
• property owners may demand coverage
   

Common required endorsements include:

• Additional Insured
• Waiver of Subrogation
• Primary & Non-Contributory wording

Again, be careful of some of the commonly overlooked types of policies and coverages when purchasing  general liability insurance such as sunset-clause, claims-made, risk retention groups and the financial ratings of the insurance carrier. Most of the time, you will get what you pay for. If you are not sure what  you are purchasing, reach out directly to 844-97-USAVE

 The Honest Answer

• Low-risk contractors:  Yes, relatively cheap 
• Most contractors (like concrete, roofing, excavation):  Not as cheap 
• High-risk trades:  Can get expensive fast

When CGL IS Cheap

You’ll see lower pricing if:

• ✔ Solo contractor / no employees 
• ✔ Low-risk trade (painting, handyman, light carpentry) 
• ✔ Small jobs / residential work 
• ✔ Clean claims history 
• ✔ Low revenue
   

Example:

• Handyman or painter → $70–$120/month

Premiums shown are estimates only. Actual rates vary based on risk, underwriting, and coverage selections. Not a quote or guarantee of coverage.  

How Contractors Get Certificates of Insurance Fast:

• Call 844-97-USAVE Today so we can help!  

Check the status of your Contractors License Fast:

• Click to verify your workers compensation and license  are active with the CSLB