The Hartford doesn’t offer project manager insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Project Manager Insurance?
Project manager insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you oversee construction projects. These challenges could include client disputes over delays, property damage on-site, equipment theft, accidents involving subcontractors or injuries to passersby. As a business specializing in project management, insurance coverage can give you peace of mind, knowing you’re protected from everyday setbacks.
Although The Hartford doesn’t offer project manager’s insurance, we help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Project Manager Insurance?
Project management insurance is a collection of coverages designed to help protect you from the challenges that can come with overseeing construction jobs. It’s not always the obvious risks, like a power tool injury or a cracked foundation, that can cause big setbacks. Sometimes it’s a subcontractor leaving in the middle of a project, a client claiming your delay cost them a new lease or a stolen trailer that puts your whole timeline in jeopardy. When you're the one coordinating all the moving parts, one small mishap can lead to costly delays or legal disputes. The right type of coverage can help you manage unexpected challenges.
Project management insurance can help protect your business from many potential risks, like:
- Property Damage: A subcontractor accidentally punctures a water main.
- Bodily Injuries: A delivery driver slips on rebar at your active jobsite.
- Auto Accidents: An employee rear-ends another vehicle while moving materials.
Who May Need Project Manager Insurance?
Many types of contractors and construction businesses can benefit from insurance coverage, such as:
- General contractors
- Construction management firms
- Design-build contractors
- Trade contractors
- Commercial renovation contractors
What Project Manager Insurance Coverages Might I Need?
When it comes to protecting yourself as a project manager, you’ll want coverage that matches your potential risks. Many project managers start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three coverages to help protect you from everyday risks:
General liability insurance helps protect your business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory, equipment and supplies you rely on. These can include your:
- Computers
- Tablets
- Personal protective equipment (PPE)
- Hammers
- Levels
- Tape measures
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to remember that a BOP won’t cover every type of claim you might face. You’ll need to get other coverages to create a well-rounded insurance plan, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness.
Commercial auto insurance to help cover bodily injury or property damage claims from a car accident your business causes when you or an employee uses a company-owned vehicle for work.
How Much Does Project Management Insurance Cost?
Although The Hartford doesn’t offer coverage for project managers, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of insurance for project managers varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific project management business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“The building inspector tripped over conduit and broke his wrist.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“A former site supervisor claimed we violated overtime laws and filed a formal complaint.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“Two crew members were injured in a jobsite accident. They both had huge medical bills and missed weeks of work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“The materials we ordered had a manufacturing defect that caused a safety issue on-site. We had to delay the project, and it cost our client thousands of dollars in lost sales.”
Professional liability insurance helps protect your team from claims that it made an error in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Installation Insurance
“Some scaffolding got damaged on-site, which caused major project delays.”
Installation insurance covers personal property installed, fabricated or erected by a contractor. It includes installation-related equipment, materials, labor costs and temporary structures such as scaffolding and construction signs.
Contractors Equipment Coverage
“Our compactor was stolen from a locked trailer, and it set us back a week.”
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It can also help pay for losses from a theft and the costs to expedite a project that is off schedule due to a covered loss.
Build Peace of Mind With Project Manager Insurance Options
You’ve built your business on being prepared for anything that comes your way, and you deserve coverage that’s as reliable as you. Get a free online quote from Tivly today.
Last Updated: April 29, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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