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Contractor Insurance
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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.

Protects against third-party injuries, property damage, and claims tied to completed work.

Required if you have even one employee. Covers medical bills and wage loss from on-the-job injuries.

Covers company vehicles used to transport materials, tools, and workers to job sites.

 Insures your gear against theft, loss, and jobsite damage

Covers structures under construction from weather, fire, vandalism, and more.

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:

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

Roofing and high-risk work usually costs more.

Higher limits offer better protection at a higher premium.

Clean records mean better rates.

More staff increases workers’ comp costs.

 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.

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