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The Hanover Insurance Loco

How much does General Contractor Insurance cost per month?

Our mission is to ensure that all independent contractors have access to reliable and tailored insurance coverage for construction businesses at a price they can afford. Our vision is for every contractor in America to know that they are insured, protected, and ready for success!

Are you a business owner looking for reliable and affordable contractors insurance? Whether you are a large-scale construction business or smaller independent contractor working to secure contracts, have the peace of mind that comes with having proper construction business insurance coverage. How much does it cost to get affordable general contractor or construction insurance policies in most US states?

Business liability Insurance at $250/month

Contractor tools coverage at $42/month

Workers comp. pay 8.87% x labor $$1,250 up front costs

Need to insure drone operations for building inspections? Get Custom Quote

What is the yearly cost for a contractor’s business insurance policy?

As a general contractor, sometimes paying yearly for your business insurance can be an option. From starting a new construction business to just buying your yearly insurance policy through your broker. What types of insurance policies & yearly prices you may pay for your construction business in the US:

General Liability Insurance at $3k/year

Contractor tools covered at $500/year

Construction Business Umbrella Insurance Get Custom Price Quote

Commercial Auto Insurance for contractors Get Custom Price Quote

Need Cyber Insurance? Cover costs from security & data breaches.

From contractors general liability insurance to workers compensation and more – the cost of policies can quickly add up.
Need more information about about the specific construction contractor industries and general prices for insurance policies? To operate a construction business in most states requires insurance!

How much does comprehensive construction insurance coverage in the US cost? Get a quick quote to find out what plans are necessary for which states and exactly how much you’ll have to pay!

NOTE: Prices are subject to change & only reflect a baseline starting point. Affordable Contractors Insurance is experienced in building custom contractor insurance policies. All price estimates may change from state to state per business size, labor costs, materials purchased and  some other factors. We can NOT guarantee any prices listed here.

Prices for Roofers Insurance Coverage

Are you a business owner or contractor in the roofing industry? If so, investing in proper insurance coverage is a must. General roofing liability insurance policies provide an effective way to protect from injury claims. Damage to property & medical costs associated with 3rd party incidents.

Protect Your Roofing Company with Affordable Policies Today
– End the Stress of Finding Roofers Insurance – We Make it Easy
Keep Your Business Safe and Covered – Get Insured Now!

Premiums Monthly: From $250 – $265 per month
Premiums Yearly: From $3k – $3,500 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $1,000

General Contractors Insurance Costs

As a general contractor, you are aware of the risks and potential hazards associated with the work that you do. Therefore, it is critical to protect yourself from any legal or financial incidents with a comprehensive liability insurance policy. Purchasing an appropriate coverage policy can be daunting as there are many factors to consider – including what’s covered, benefit levels, deductible amounts, etc.

– Get Comprehensive Coverage for Your Worksite and Equipment
– Secure Drones and Inspections equipment with Insurance
Find the Right Insurance Plan for Your General Contractor Company Today

Premiums: From $250 – $305 per month
Premiums: From $3,000 – $3,700 per year
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $1,000

Prices for Construction Workers Comp.

Are you a construction business owner who needs to understand more about workers compensation costs, regulations, and protections? When it comes to managing your construction company’s risk of injuries or accidents on job sites, securing worker’s comp insurance is essential.

Not only can construction workers comp. help cover the cost of medical care for an injured employee—it can also protect your employees from financial strain in cases where they are not able to work due to injury or illness.

Premium: Pay 8.87% of Labor Costs
Up front Costs: $1,250 minimum depending on business structure
Calculate per 100,000 of employee compensation can equate to an average of $8,400+/year

Other Contractor Businesses We Insure!

At Affordable Contractors Insurance we find affordable insurance for all types of construction businesses. From roofing companies, excavation, concrete, framing, plumbers, hvac and more. If you are a contractor, we recommend looking into a custom contractors insurance policy at the best price for your business. At ACI, our professional insurance agents will build a custom policy to fit your needs!

Here are a few of the construction industries we cover:

Horizontal Drilling Contractor Insurance: Insurance for Directional Drilling

Street & Road Paving Companies: Road Construction Company Insurance

Elevator Repair Companies: Insurance for Elevator Repair Contractors

Fire Protection & Sprinkler: Fire Protection Company Insurance

Directional Boring Contractors: Insurance for Horizontal Boring

Excavation Businesses: Excavation Contractors Insurance

Concrete Companies Concrete Subcontractors Insurance

General Contractors: General Contractors Insurance

HVAC Companies: HVAC Subcontractors Insurance

Home Remediation & Restoration Contractors

Plumbers: Plumbing Contractors Insurance

Framing: Framing Contractors Insurance

Roofers: Roofing Contractors Insurance


Affordable Insurance for Contractors

What average % for types of coverage we write daily

  • General Liability for Contractors 60% 60%
  • Builders Risk Insurance 20% 20%
  • Excess & Umbrella Insurance 10% 10%
  • Workmans Compensation 10% 10%

Get Affordable Contractors Insurance

Affordable Contractors Insurance is committed to helping our clients protect their businesses with an affordable yet comprehensive insurance coverage.

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