General contractor insurance cost depends on several factors, including your coverage needs, number of employees and claims history. Your exposure to risk also affects what you'll pay. General contractors and other high-risk professions need general liability insurance from the E&S market. Insurance in this market usually costs more than , Independent contractor insurance protects 1099 workers against the risks that come with operating a business. In general, most 1099 workers need one or both of the following:, Contractor insurance can cover you if someone makes a claim against you and you have to pay compensation. Accidental injury – if you’re a contractor working with powerful tools and equipment, for example, you may be held responsible for accidental injuries. The right policy could protect you against compensation claims., We understand the risks contractors face and have developed commercial insurance solutions to help meet your varied needs including general liability, property and inland marine, workers' compensation, auto, umbrella and surety and fidelity., General liability insurance is the cornerstone of contractor business insurance. It protects against third-party claims involving bodily injury, property damage, or advertising harm. For example, if a client trips on a construction site and sustains injuries, this coverage can handle medical expenses and potential legal fees., Customized insurance for construction trades like contractors, carpenters, electricians and more. Learn about your options and get a customized quote. Let us help you find the right insurance coverage for your construction business - whether you're an independent contractor or own a construction company with employees. Get a quote..