Contractors Insurance

Contractors face risk on every job site — accidents, property damage, stolen tools, injured crew members. Contractors insurance protects your livelihood so one incident doesn’t cost you the business you’ve built, and keeps you qualified to win the jobs you bid.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

Why NC Contractors Carry Insurance

• Liability claims — if your work damages a client’s property or someone is hurt on your site, you can be held responsible.
• Contract requirements — general contractors, municipalities, and commercial clients require proof of insurance before you start work.
• Tools and equipment — your gear is your income; coverage replaces it if it’s stolen from the truck or the site.
• Your crew — workers’ compensation is generally required in NC with three or more employees, and construction counts every set of hands.

Key Coverages for Contractors

Most contractors build their program from general liability, workers’ compensation, commercial auto for trucks and trailers, and inland marine coverage for tools and equipment. Depending on your projects, we’ll add builder’s risk for structures under construction and license or contract bonds when a project or the state requires them.

Who Needs It

General contractors, electricians, plumbers, HVAC techs, roofers, painters, landscapers, remodelers — if you swing a hammer or send a crew, this coverage applies. Whether you’re a one-truck operation or manage multiple crews across the Triangle, we’ll scale the program to fit.

Frequently Asked Questions

How fast can I get a certificate of insurance?

Usually same-day once your policy is active. Call us with the job details and we’ll send the COI directly to your GC or client.

Do my subcontractors need their own insurance?

Yes — and you should collect their certificates. Uninsured subs can land on your policy at audit time and raise your premium.

What’s the difference between a bond and insurance?

Insurance protects you from covered losses; a surety bond guarantees your performance to a third party. Many NC trades need both, and we place both.

Get Covered, Get on the Job

Quotes built for the trades, from an agency that answers the phone. Insure with You!