Contractor Insurance
in North Carolina
Insurance That Works as Hard as You Do
From Raleigh to Asheville, Charlotte to Wilmington—contractors across North Carolina count on ACI for affordable, state-compliant coverage that keeps them protected and ready to work.
Whether you’re a licensed general contractor or an independent tradesperson, we’ll help you get insured quickly and stay compliant with state regulations.
Why North Carolina Contractors Choose ACI
Local Expertise
We understand North Carolina’s licensing, bonding, and insurance requirements across all 100 counties.
Same-Day Certificates
Need proof of coverage for a permit or jobsite? We deliver fast.
Flexible Payment Plans
Only 20% down to start, with plans that fit seasonal and small-business budgets.
Bundled Savings
Combine general liability, workers’ comp, and auto coverage to save up to 25%.
Insurance Coverage We Offer in North Carolina
We provide all the essential policies required for licensed and unlicensed contractors operating across North Carolina.
- General Liability Insurance
Protects against bodily injury, property damage, and legal defense costs. Required by many municipalities and a must-have for most building contracts in North Carolina.
- Workers’ Compensation Insurance
Mandatory if you employ three or more people, including part-time workers or subcontractors. Covers medical care, lost wages, and protects your business from liability.
- Commercial Auto Insurance
If you drive a work truck, trailer, or van, North Carolina typically requires separate commercial coverage. This policy handles accident liability, vehicle damage, and theft.
- Tools & Equipment Insurance
Protects valuable tools and equipment from loss, theft, or damage on job sites, in vehicles, or in storage. Ideal for contractors on the move.
- Builder’s Risk Insurance
Temporary coverage for structures under construction. Covers materials and labor from risks like fire, theft, or weather, especially useful in storm-prone coastal areas.
- Professional Liability Insurance
Coverage for design errors, professional mistakes, or project delays that could lead to financial losses.
Who We Cover in North Carolina
We insure trades and construction professionals across North Carolina, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
Don’t see your specialty? We likely cover it—request a custom quote to confirm in minutes.
How Much Does Contractor Insurance Cost in North Carolina?
Your monthly premium depends on your trade, location, team size, and past claim history. Whether you’re remodeling homes in Durham or managing new builds in Greensboro, we help you find the right coverage at the right price.
Cost Factors
- Type of Work
Higher-risk trades like roofing or framing usually cost more than painting or landscaping.
- Business Size
More employees or higher payroll may increase your premium.
- Coverage Limits
Higher protection means slightly higher monthly rates.
- Claims History
Clean records can help lower your costs.
- Location & Risk Profile
Urban vs. rural areas, coastal risk, and jobsite hazards all impact pricing.
Get your custom quote in minutes—backed by local expertise.
North Carolina Contractor Insurance Requirements
Depending on your trade, location, and business size, North Carolina may require the following:
General Liability Insurance
Often required for licensed general contractors and subcontractors, especially when working with municipalities or private clients.
Workers’ Compensation Insurance
Mandatory for businesses with three or more employees. Applies to part-time, seasonal, and subcontracted labor.
Commercial Auto Insurance
Required for business-owned vehicles or personal vehicles used regularly for work. Covers property damage, injuries, and third-party claims.
Requirements may vary by trade, county, and project type—ACI can guide you through the latest state requirements.
Get a Free Contractor Insurance Quote
in North Carolina
Running a contracting business in North Carolina comes with enough challenges—insurance shouldn’t be one of them. Let ACI handle the paperwork while you focus on the job.