Contractor Insurance
in Massachusetts
Custom, Affordable Insurance for Massachusetts Contractors
Massachusetts contractors face some of the nation’s strictest licensing, permitting, and jobsite safety standards. Whether you’re building in Boston, wiring in Worcester, or remodeling homes on the Cape, you need insurance that keeps your business compliant and covered—without draining your budget.
At Affordable Contractors Insurance (ACI), we make it easy for Massachusetts contractors to get fast, tailored coverage. With flexible payment options and same-day proof of insurance, we help you meet client demands, state laws, and jobsite risks with confidence.
Why Contractors in Massachusetts Choose ACI
Local Compliance Expertise
We know MA contractor rules, permits, and coverage standards
Same-Day Certificates
Instant proof of insurance for licensing or job approval
Low Down Payment Options
Start your policy with just 20% down
Bundled Policy Savings
Save up to 25% when combining multiple coverages
Trade-Specific Policies
Custom plans for your tools, team size, and services
Insurance Coverage We Offer in Massachusetts
We provide all major contractor insurance policies required or recommended in Massachusetts:
- General Liability Insurance
Protects against third-party injuries, property damage, and lawsuits. Required for many licensed contractors and city contracts.
- Workers’ Compensation Insurance
Mandatory in Massachusetts for businesses with employees, including part-timers and subcontractors. Covers medical costs and lost wages due to job-site injuries.
- Commercial Auto Insurance
Covers vehicles used for business against accidents, liability, and theft. Required for work trucks, vans, and trailers.
- Tools & Equipment Insurance
Insures your gear and machinery from damage, loss, or theft at jobsites, in storage, or on the move.
- Builder’s Risk Insurance
Protects buildings under construction and materials from fire, theft, vandalism, and storm damage.
- Professional Liability Insurance
Covers claims related to errors, project delays, or faulty design that result in financial loss.
Who We Cover in Massachusetts
ACI provides insurance for general contractors and trade specialists across the state:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Contractors
Whether you’re solo or managing a team, we help you stay protected and project-ready in any Massachusetts municipality.
How Much Does Contractor Insurance Cost in Massachusetts?
Your monthly premium depends on the risks and scale of your business. Here’s what typically affects your rate:
Cost Factors
- Type of Work
High-risk trades like roofing and excavation cost more than general contracting.
- Business Size
Larger crews and payrolls come with higher premiums.
- Coverage Limits
More coverage means higher protection—but also higher monthly costs.
- Claims History
A clean record lowers your risk profile and rates.
- Location & Jobsite Risks
Urban areas like Boston may cost more than rural zones due to theft or legal exposure.
See your actual rate with a personalized quote built for your trade and job conditions.
Massachusetts Contractor Insurance Requirements
Contractors in Massachusetts must meet strict insurance requirements based on their license class and trade:
General Liability Insurance
MA often requires proof of general liability to obtain or renew a contractor license, especially in building trades.
Workers’ Compensation Insurance
If you hire anyone, even part-time, you are required to carry workers’ compensation insurance under state law.
Commercial Auto Insurance
Any vehicle used for contracting work must be insured under a commercial auto policy.
Coverage rules vary by trade, city, and project type. ACI will help you meet the latest Massachusetts standards.
Get a Free Contractor Insurance Quote
in Massachusetts
Get coverage you can count on—without the headaches. ACI will match you with the right policy for your Massachusetts business so you can stay compliant and competitive.