Contractors Business Insurance

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Why Contractors Need Contractor Insurance

As a contractor, customers expect you to implement their construction plans, meet deadlines and safely see projects large and small to completion – which can expose your business to unique risks. Moreover, these are on top of typical risks most businesses deal with like damage to your workplace or loss of important records. Learn about contractor insurance coverage businesses like yours typically need and purchase from The Hartford.

Business Owner’s Policy for Contractors

Most contracting businesses have a Business Owner's Policy (BOP). Why? Because it helps protect your business in much the same way a homeowner’s policy helps protect your home and personal possessions.
By combining three basic coverages that are important to virtually every small business, a BOP can help save you money while safeguarding what you’ve worked hard to build.
  1. General Liability – helps protect your contracting business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations like if a customer is injured at your workplace or an employee causes damage to a customer’s property. It even helps cover certain claims of slander and libel. Business Liability insurance does not cover liabilities directly arising out of the professional services you may provide.
  2. Commercial Property – helps protect the place where you do business and the things you use to conduct business, like tools and equipment – whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your business because of covered property damage.
Learn more about our Business Owner's Policy for your small contracting business.

Add Optional Contractor Insurance Coverages to a Business Owner’s Policy

Business Income Extension for Off-Premises Operations

Our Business Income Extension for Off-Premises Operations may help replace the income your contracting business loses if it must suspend off-site operations because property or equipment was damaged at the job. For example, if a key tool is damaged at a job site, you may not be able to work until it is fixed or replaced. This coverage from The Hartford may help replace the income your business loses while you are unable to operate.

Contractors Tools

The tools and equipment you use as a contractor are vital to your business. Imagine the impact on your business if the tools or equipment you use every day were lost, damaged or stolen. A range of coverage options available from The Hartford can help pay for the replacement or repair of all types of owned, borrowed, or leased tools and equipment.

Installation Coverage

Your contracting business may be working a job where you’re remodeling a bathroom and your customer has decided on a very expensive tub. While carrying the tub to the second floor, one of your employees drops it resulting in a large crack down the center of the tub. This coverage may help.

Data Breach Coverage

Contracting businesses often store sensitive information about their employees and clients, including Social Security and debit/credit card numbers. Moreover, if that information is lost or stolen, it could leave your business vulnerable to lawsuits and a damaged reputation. Data Breach Coverage helps pay the costs of notifying impacted individuals, managing public relations, good faith advertising, and more if personally identifiable information is lost or stolen.

Employment Practices Liability Insurance

Contracting businesses are vulnerable to employment practices liability claims. Current and former employees may potentially take legal action against your contracting business for issues such as wrongful termination, retaliation, discrimination and harassment. For example, you may end up facing costly legal fees if a former employee claimed your business terminated him even though a medical accommodation may have been made for an injury he received on the job. In this case, Employment Practices Liability Insurance may help cover the legal expenses your business is facing related to the claim.

Bundle Insurance Coverage for Contractor Insurance

Stretch Your Dollar

It’s easy to increase your BOP protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable vital coverages. For contractors like you we offer:
  • Contractor’s Stretch
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your contractor business.

Additional Contractor Insurance Solutions

If you have employees, use a car for work, or work from home, you may also benefit from:

Workers' Compensation Insurance

Required by most states, workers’ comp provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Moreover, if the worker’s family decides to sue you, coverage can help you with related legal fees. Businesses have been turning to The Hartford for workers’ comp coverage for more than a century.

Commercial Auto Insurance

Do you use your car to visit customers, pick up tools, or run work errands?
A Business Auto Policy provides coverage generally not included in a personal auto policy. It can cover you or an employee when an owned vehicle, used for business purposes, is involved in an accident.

Home-Based Business Solutions

If you run your contractor business out of your home, you probably want a Business Owner's Policy (BOP). A BOP provides coverage not generally available with a homeowner’s policy.
Ask yourself, “Do I have customers come to my home, provide services away from my home, have employees or inventory?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your business.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.