Every Project Starts With the Right Coverage.
Protecting job sites, equipment, and completed work
Contractors face constant exposure to property damage, job site injuries, equipment loss, and liability claims. Whether working on residential, commercial, or industrial projects, construction operations involve multiple parties, heavy equipment, and changing job site conditions. A single accident, defective installation, or injury claim can result in costly lawsuits or project delays.
Properly structured insurance helps protect your business, your contracts, and your ability to continue working.
Key Risks in Contractor Operations
Contractors face exposure related to:
Job site injuries or third-party damage
Damage to buildings under construction
Faulty workmanship allegations
Tool and equipment theft
Employee injuries
Subcontractor liability
Contract and insurance requirement disputes
Losses can occur even when work is performed correctly.
Core Coverages for Contractors
Contractor insurance programs typically include:
General Liability — Protects against bodily injury and property damage claims arising from construction operations.
Workers’ Compensation — Provides coverage for employee injuries and workplace accidents as required by law.
Commercial Auto — Covers vehicles used for business, including trucks, vans, and job site transport.
Inland Marine / Equipment Coverage — Protects tools, machinery, and equipment at job sites or in transit.
Builders Risk (when applicable) — Covers buildings under construction, renovation, or installation.
Umbrella / Excess Liability — Provides additional limits for large construction-related claims.
Contractor Pollution / Professional Liability (when needed) — Covers environmental exposure or design / consulting-related claims.
What’s Commonly Overlooked
Contractor insurance programs are often weakened by:
Incorrect class codes
Missing additional insured endorsements
Inadequate liability limits for contracts
No coverage for subcontractor exposure
Underinsured equipment values
Gaps between liability and builders risk policies
These issues often surface only after a claim or contract review.
Real-World Claim Examples
A worker damages a client’s property
A tool trailer is stolen from a job site
Faulty installation leads to a lawsuit
A subcontractor causes injury to a third party
A storm damages a project under construction
Even one claim can stop work or violate contract requirements.
Specialized Trade Coverage
Every trade carries its own signature exposure, and we insure each one around it. Explore coverage built for your specialty:
- General Contractor Insurance — subcontractor risk, completed operations, and bonds
- Electrician Insurance — fire, electrocution, and faulty-wiring completed operations
- Plumber Insurance — water damage and sewage-related pollution
- HVAC Contractor Insurance — carbon monoxide, refrigerant, and rigging
- Roofer Insurance — falls, hot-work fire, and water intrusion
- Concrete Contractor Insurance — rip-out-and-repour and pump-truck exposure
- Masonry Contractor Insurance — scaffolding falls and veneer water intrusion
- Carpenter Insurance — framing structural failure and finish-work damage
- Drywall Contractor Insurance — dust and damage to finished work
- Painter Insurance — overspray, VOC pollution, and lead
- Flooring Contractor Insurance — moisture failures, finish fire, and high-value materials
Why Proper Placement Matters
Contractor coverage varies significantly based on:
Trade or specialty
Project size and type
Use of subcontractors
Contractual insurance requirements
State licensing rules
Job site exposure
Improper placement can lead to denied claims or inability to meet contract requirements.
Our Approach
At Cory Washington & Co., we structure contractor insurance programs based on the type of work you perform, the contracts you sign, and the projects you take on. We coordinate liability, equipment, auto, and builders risk coverage to ensure your protection matches real job site exposure.
Contractors need insurance built for the way construction actually works.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
See the coverages a contractor business business may carry — core, prevalent, and situational — plus the gap most often missed, in the Contractor Business Coverage Checklist.
Complete the Contractor Business Supplemental online in a few guided steps, download the fillable PDF, or browse all applications.
Frequently Asked Questions
How do I get contractor business insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate contractor business insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How much does contractor business insurance cost?
There is no flat rate. The cost of contractor business insurance reflects your industry, your size (payroll and revenue), your claims history, and the limits and deductibles you choose. We market your account to multiple carriers, compare the real quotes side by side, and explain what is driving each number so you can weigh coverage against price with confidence.
Who needs contractor business insurance?
It depends on your situation. Some coverage is required by law; more often, contractor business insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.