General Contractors Insurance

Insurance built for general contractors

General contractors carry responsibility for the whole project — your own crew, your subcontractors, the site, and the finished work. That means broader exposure than any single trade, and it means owners, lenders, and municipalities will scrutinize your insurance before you ever break ground.

We build insurance programs for GCs managing new construction, renovations, and remodels, comparing multiple A-rated carriers and structuring coverage around how you use subcontractors.

Key risks we cover

• Construction defect and completed operations claims — problems with the finished project that surface months or years later.
• Third-party injuries — visitors, owners, or the public injured on an active site.
• Subcontractor gaps — uninsured or underinsured subs whose claims roll up to you.
• Employee injuries — falls, struck-by, and lifting injuries drive workers comp costs in construction.
• Vehicle and equipment exposure — trucks, trailers, and tools moving between sites.

Recommended coverages

• General Liability — the core requirement on every contract — injury, property damage, and completed operations, typically at $1M/$2M limits.
• Workers’ Compensation — required in most states; protects your crew and satisfies contract requirements.
• Commercial Auto — for pickups, dump trucks, and trailers.
• Inland Marine (Tools & Equipment) — tools and equipment across job sites.
• Umbrella / Excess Liability — many project owners require $5M+ in total limits — umbrella gets you there affordably.

How much does general contractor insurance cost?

GC premiums depend on revenue, payroll, subcontractor costs, project types, and your state. Carriers rate GC risk very differently — comparing multiple A-rated carriers routinely saves real money. Complete our quick quote form and we’ll shop the market for you.

Frequently asked questions

Do I need to collect certificates from my subcontractors?

Yes — collecting current certificates of insurance from every sub protects you from absorbing their claims and keeps your own premium audit clean.

What limits do project owners usually require?

Most commercial contracts require $1M per occurrence / $2M aggregate in general liability, and larger projects often require umbrella limits of $5M or more.

Can I get a certificate of insurance quickly for a bid or contract?

Yes. We issue certificates quickly during business hours, including additional insured endorsements for owners and lenders.