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Contractors Insurance

Contractors face unique risks in their work, and having the right insurance coverage is crucial to protecting their businesses. The most important insurance coverages for contractors typically include:


General Liability Insurance:

  • Coverage: Protection against bodily injury, property damage, and personal injury claims that may arise from your business operations.
  • Importance: Essential for covering the costs of legal defense, settlements, or judgments in the event of a lawsuit.

Workers’ Compensation Insurance:

  • Coverage: Provides benefits to employees for work-related injuries or illnesses, covering medical expenses and a portion of lost wages.
  • Importance: Mandatory in most states, it protects both employees and employers by providing financial support and preventing lawsuits for workplace injuries.

Commercial Property Insurance:

  • Coverage: Protects your business property, including buildings, equipment, tools, and inventory, against damage or loss from covered perils (fire, theft, etc.).
  • Importance: Safeguards your physical assets from unexpected events that could disrupt your business operations.

Contractor’s Equipment Insurance (Inland Marine):

  • Coverage: Covers the repair or replacement cost of specialized tools and equipment used in construction or contracting work.
  • Importance: Ensures that essential equipment can be quickly replaced or repaired in the event of damage or theft.

Commercial Auto Insurance:

  • Coverage: Provides coverage for vehicles owned or used by the business for work purposes.
  • Importance: Protects against liability for accidents involving company vehicles and can also cover physical damage to the vehicles.

Professional Liability Insurance (Errors and Omissions):

  • Coverage: Protects against claims of professional negligence, mistakes, or omissions that result in financial loss for clients.
  • Importance: Crucial for contractors offering professional services, such as architects, engineers, or consultants.

Contractor’s Pollution Liability Insurance:

  • Coverage: Addresses liabilities arising from pollution events during construction or contracting activities.
  • Importance: Necessary for contractors working in environments where pollution risks are present, such as excavation or site development projects.

Umbrella/Excess Liability Insurance:

  • Coverage: Provides additional liability coverage above the limits of primary liability policies.
  • Importance: Offers extra protection when the limits of underlying policies are exhausted, especially in the case of a large lawsuit.

Builder’s Risk Insurance:

  • Coverage: Protects against damage to buildings and structures under construction or renovation.
  • Importance: Ensures that the value of the project is covered during the construction phase, including materials and equipment.

Cyber Liability Insurance:

  • Coverage: Protects against the financial consequences of a data breach, including the costs of notification, credit monitoring, and legal expenses.
  • Importance: As contractors increasingly rely on digital systems, this coverage is crucial for protecting sensitive information and maintaining client trust.


Contractors should carefully assess their specific risks and business activities to determine the most appropriate insurance coverage for their needs. ISE Insurance Services can help tailor coverage to the unique requirements of your contracting business.


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Contact ISE Insurance Services today to see how we can help protect what’s important to you.

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