Contractor Insurance
in Connecticut
Stay Covered, Stay Compliant—Insurance Built for Connecticut Contractors
Whether you’re handling roofing jobs in New Haven or managing remodels in Stamford, contractors in Connecticut face unique risks—from strict licensing requirements to liability exposure on tight urban job sites.
At Affordable Contractors Insurance (ACI), we offer state-specific coverage built for Connecticut’s construction environment—keeping your projects compliant, protected, and on schedule.
Why Contractors in Connecticut Choose ACI
Local Know-How:
We understand Connecticut contractor licensing and insurance rules.
Fast Certificates:
Get insured today, with same-day proof of coverage.
Bundled Savings:
Save 15% or more when you combine policies.
Stress-Free Quotes:
One form. No phone tag. Quick, expert help.
Low Down Payments:
Start coverage with just 20% down.
Insurance Coverage We Offer in Connecticut
Whether you’re a solo tradesperson or managing crews across the state, we’ve got the protection you need.
- General Liability Insurance
Protects against third-party injuries, property damage, and claims tied to completed work.
- Workers’ Compensation Insurance:
Required if you have even one employee. Covers medical bills and wage loss from on-the-job injuries.
- Commercial Auto Insurance
Covers company vehicles used to transport materials, tools, and workers to job sites.
- Tools & Equipment Insurance
Insures your gear against theft, loss, and jobsite damage
- Builder’s Risk Insurance
Covers structures under construction from weather, fire, vandalism, and more.
- Professional Liability Insurance
Helps protect against design errors, omissions, and contract-related disputes.
Who We Cover in Connecticut
If you’re in construction, we’ve got a policy for your trade.
We insure:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
Don’t see your trade? We likely cover it—just ask!
How Much Does Contractor Insurance Cost in Connecticut?
Contractor insurance costs in Connecticut depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:
Cost Factors
- Trade Type
Roofing and high-risk work usually costs more.
- Coverage Limits
Higher limits offer better protection at a higher premium.
- Claims History
Clean records mean better rates.
- Payroll & Employees
More staff increases workers’ comp costs.
- Deductible Level
Higher deductibles can lower monthly payments.
Find out how much you could save—get a free, custom quote today.
Connecticut Contractor Insurance Requirements
General Liability Insurance
Required for contractors applying for a Major Contractor license. Covers third-party bodily injury, property damage, and legal claims. You must submit proof of insurance with your license application.
Workers’ Compensation
Mandatory if you have one or more employees, including part-time. Covers medical bills, lost wages, and rehabilitation for workers injured on the job.
Commercial Auto Insurance
All business vehicles must be insured with commercial coverage that meets Connecticut’s minimum liability standards. Protects against accidents involving your work trucks, vans, or transport vehicles.
Insurance requirements may vary by license type or project scope. Contact us to make sure you're covered correctly.
Get a Free Contractor Insurance Quote
in Connecticut
No delays, no confusion—just fast, expert help. Get a free, trade-specific quote today.