General Contractors Insurance
Coverage recommendations, carrier options, and cost estimates for insuring general contractors businesses. Built for independent agents quoting this class.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For General Contractors businesses, key exposures include high bodily injury exposure on job sites. Common claims include worker injury on job site. Agent note: Subcontractor certificates of insurance are critical — require GL, WC, and auto from every sub
$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 General Contractors businesses, key exposures include high bodily injury exposure on job sites. Common claims include worker injury on job site.
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. Agent note: Subcontractor certificates of insurance are critical — require GL, WC, and auto from every sub
$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 General Contractors businesses, key exposures include equipment theft and damage. Common claims include property damage during construction.
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 General Contractors businesses, key exposures include completed operations liability. Agent note: Umbrella limits of $2M-$5M are standard for GCs bidding on commercial projects
$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
Builders Risk
situationalPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism). For General Contractors businesses, key exposures include equipment theft and damage.
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
$750 - $5,000/year for small businesses; varies widely based on property values, construction type, and location
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- High bodily injury exposure on job sites
- Completed operations liability
- Subcontractor risk transfer
- Equipment theft and damage
- Multi-state operations common
Carriers That Write General Contractors
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
$5,000 - $25,000+ for businesses with $1M - $10M revenue
Key Pricing Factors
- Annual revenue ($1M - $10M is typical for this class)
- Employee count (10-100 is typical)
- Payroll by classification
- Subcontractor usage percentage
- Project types (residential vs commercial)
- Safety program
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 general contractors insurance cost page.
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