General Liability
Helps address common third-party bodily injury, property damage, and advertising injury claims.
Industry checklist
Insurance checklist for small construction contractors
Contractors often need general liability, workers' compensation, commercial auto, equipment, and contract-specific coverage. Use this page as a quote preparation checklist, not as legal or insurance advice.
Workers' Compensation
Helps cover employee work-related injuries and is required in many situations depending on state law.
Commercial Auto
Helps cover vehicles used for business operations.
Tools and Equipment
Helps protect business tools, cameras, laptops, machines, and mobile gear.
Inland Marine
Helps cover property in transit, mobile equipment, installation materials, and job-site property.
Questions to ask before buying coverage
- Which policies are required by client, landlord, venue, lender, or platform contracts?
- Are employees, contractors, vehicles, job sites, or customer data part of the risk?
- What limits, deductibles, exclusions, and certificates will a client expect?
- Does the policy match your state, revenue, payroll, services, and claims history?
Search topics this page targets
- contractor insurance requirements
- construction business insurance
- general liability for contractors
- small contractor insurance checklist