Source: Insureon – Contractor Insurance
Insureon: General Contractors Insurance Appetite
Insureon is a digital marketplace, not a carrier. Policies are issued through partners. For contractors, Insureon's value is speed and comparison – agents and contractors can get multiple GL quotes in one application. Best for small contractors and artisan trades seeking quick certificates. Larger GCs should work directly with carriers like Selective or Travelers.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Auto |
| Professional Liability |
| Cyber Insurance |
Premium Range
$500-$10,000
Typical annual premium
Target States
All 50 states (through carrier partners)
Key Features
- Multiple carrier quotes for contractor GL and BOP in one application
- Partners include Hartford, Progressive, Travelers, and specialty contractors markets
- Fast GL certificates for subcontractor compliance
- Workers' comp comparison across carrier partners
- Online application with minimal documentation required
Limitations
- Policies issued through carrier partners, not Insureon directly
- Heavy construction and high-hazard trades may have limited carrier matches
- Inland marine and tools coverage depends on matched carrier
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