Contractors Insurance
Built to Protect
Your Business
Help protect your business, employees, tools, equipment, vehicles, and projects with coverage designed around the risks contractors face every day.
Coverage That Works
as Hard as You Do
Every project comes with risks. Accidents, property damage, equipment losses, jobsite injuries, or liability claims can create costly delays and put your business at risk.
Contractors Insurance can help protect your business, employees, tools, equipment, vehicles, and active jobsites so you can stay focused on completing projects, serving customers, and growing your operation.
What Can Contractors Insurance Cover?
Protection for Your Business and Your Work
General Liability
May help cover claims involving bodily injury, property damage, and certain personal or advertising injuries.
Commercial Property
May help protect your building, tools, equipment, materials, inventory, and other business property from covered losses.
Workers’ Compensation
Helps provide coverage for qualifying medical expenses and lost wages when an employee is injured on the job.
Commercial Auto
May help cover business vehicles against certain accidents, liability claims, property damage, and other covered losses.
Who May Benefit?
A Smart Choice for Contractors
Whether you are a one-person operation or manage a growing crew, Contractors Insurance can help protect the work, equipment, people, and responsibilities that keep your business moving from one project to the next.
General contractors
Roofers
Subcontractors
Painters
Carpenters
HVAC contractors
Electricians
Landscapers
Plumbers
And more
Coverage availability and eligibility vary by insurer and business type.
Built Around Your Business
Coverage That Fits the Way You Work
No two contracting businesses operate exactly the same way. Your risks can depend on the services you provide, the size of your crew, the projects you take on, the locations where you work, and the tools, equipment, vehicles, and materials you use each day.
Benchmark Insurance can help you compare available options, review your potential exposures, choose limits and deductibles that fit your needs, and build coverage designed to support your business today while adapting as your projects, workforce, and operations grow.
Why Choose Benchmark Insurance?
Local Guidance. Business-Focused Protection.
Personalized Guidance
We take time to understand your business and the risks that come with running it.
Multiple Coverage Options
We can help compare available policies and coverage choices from insurance carriers.
Local Service
Get straightforward assistance from an agency that understands the communities we serve.
Ongoing Support
As your business changes, we can help review your coverage and identify potential gaps.
Frequently Asked Questions
What is Contractors Insurance?
Contractors Insurance is a combination of business coverages designed to help protect contractors from risks involving liability claims, property, employees, vehicles, equipment, and jobsite operations.
Do I need Contractors Insurance if I work alone?
You may. Even sole contractors can face liability claims, property damage, equipment losses, or contract requirements that make business insurance important.
What does General Liability coverage include?
General Liability Insurance may help cover certain claims involving bodily injury, property damage, personal injury, advertising injury, and related legal defense costs.
How much coverage does my business need?
The right limits depend on your trade, project size, contracts, payroll, equipment, vehicles, jobsite exposure, and potential liability risks.
Is my equipment covered on the jobsite?
Coverage for tools and equipment may be available through commercial property, inland marine, or contractor equipment coverage depending on where and how the property is used.
Do I need Workers’ Compensation?
Requirements vary by state, business structure, and number of employees. Workers’ compensation may also be required by certain contracts or clients.
Does Contractors Insurance cover subcontractors?
Coverage varies by policy. Subcontractors may need to carry their own insurance, and your insurer may have specific requirements regarding certificates of insurance and subcontracted work.
Can I bundle my Contractors Insurance policies?
Often, yes. Depending on your business and insurer, multiple commercial coverages may be packaged together to simplify protection and policy management.
Contact Benchmark
Protect Your Business.
Build With Confidence.
Get coverage designed around the work you do and the risks you face.
