Construction Subcontractors Insurance
Coverage recommendations, carrier options, and cost estimates for construction subcontractors businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Construction Subcontractors businesses, key exposures include job site injury exposure. Common claims include worker fall from height. Agent note: GCs require subs to carry minimum GL ($1M/$2M), WC, and auto — certificate requests are constant
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
essentialMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Construction Subcontractors businesses, key exposures include job site injury exposure. Common claims include worker fall from height.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Commercial Auto
recommendedLiability, physical damage, medical payments, and uninsured motorist coverage for vehicles used in business operations. Common claims include vehicle accident en route. Agent note: GCs require subs to carry minimum GL ($1M/$2M), WC, and auto — certificate requests are constant
$1M combined single limit is standard; $500K minimum for most commercial operations
$1,200 - $5,000/year per vehicle for light commercial; $5,000 - $15,000+ per vehicle for heavy trucks
Inland Marine
recommendedProperty in transit, property at temporary locations, mobile equipment, tools, and specialized movable property not adequately covered by standard commercial property policies. For Construction Subcontractors businesses, key exposures include equipment theft. Common claims include property damage at job site.
Based on scheduled equipment/property values. Ranges from $25K for small tool floaters to $1M+ for heavy equipment
$300 - $1,500/year for tool floaters; $1,500 - $10,000+ for heavy equipment schedules
Umbrella
situationalAdditional liability limits above underlying GL, auto, and employers liability policies. For Construction Subcontractors businesses, key exposures include completed operations liability.
$1M - $10M increments above underlying policies
$500 - $2,000/year for $1M umbrella on small business; $1,500 - $8,000+ for contractors and higher-risk classes
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Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Job site injury exposure
- Completed operations liability
- Working at heights or confined spaces
- GC insurance requirements
- Equipment theft
Carriers That Write Construction Subcontractors
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $300K - $3M revenue
Key Pricing Factors
- Annual revenue ($300K - $3M is typical for this class)
- Employee count (5-20 is typical)
- Trade specialty
- Payroll
- Experience modification rate
- Subcontractor usage
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our construction subcontractors insurance cost page.