General Contractor Insurance That Works as Hard as You Do
Why General Contractors Need the Right Coverage
From kitchen remodels to full-scale construction projects, general contractors face real risk on every job. Accidents happen, clients change their minds, and even a small mistake can lead to major financial fallout.
That’s why having a general contractor insurance policy built for your business isn’t optional—it’s essential.
At Affordable Contractors Insurance (ACI), we specialize in insurance for contractors only. That means you’re not getting cookie-cutter coverage but a policy designed around the actual work you do, the risks you face, and the regulations you need to meet.
Protect Your Contracting Business with Insurance - Save Up to 25%
Start with as little as 20% down.
Why General Contractors Need Liability Insurance
You might be the best at what you do—but no matter how experienced you are, things go wrong:
- A homeowner trips over your tools and ends up in the ER
- A subcontractor accidentally damages a client’s roof
- A wiring job seems fine… until a few months later when there's a short
Without general liability coverage, these incidents can be costly and even sink your business.
We’ve seen what happens when contractors go uninsured: lawsuits, out-of-pocket payouts, lost licenses, and projects that never get off the ground. That’s why our mission is to make premium contractor insurance accessible, fast, and affordable.
- Save up to 25%
- Start with just 20% down
- Get insured in minutes, not days
What Does General Contractor Insurance Cover?
Our policies include everything a modern contractor needs to protect their business from unexpected claims, costs, and legal headaches.
General Liability Insurance
Protects you if someone gets injured or something gets damaged on your job site.
Property Damage
Whether it’s drywall dust in a client’s HVAC system or a broken window from dropped equipment, you’re covered.
Medical Payments
Covers injury-related medical expenses for clients, vendors, or anyone else not on your crew.
Completed Operations Coverage
Problems don’t always show up during the job. If a leak, short, or faulty install causes issues after the work is done, this protects you from claims long after you’ve packed up your tools.
Legal Fees & Claims Handling
If someone files a lawsuit against you, your policy covers attorney fees, court costs, and settlement payouts. We also help guide you through the legal process, so you’re never alone.
Subcontractor Liability
Bringing in other trades? We can help you cover subcontractors, so everyone on your site is protected—without blowing your budget.
What Makes Affordable Contractors Insurance Different?
We’re not a big-box insurance agency with a contractor tab. We live and breathe contractor coverage.
We ONLY Insure Contractors
No restaurants. No salons. Just builders, remodelers, and contractors like you.
Exclusive Rates for Contractors
We know the contractor class codes and write policies specifically for your work. That means more savings, more accurate coverage, and fewer surprises.
Nationwide Support
Whether you’re in Texas, California, Florida, or New York—we’ll build you a state-compliant contractor insurance policy that meets licensing requirements wherever you work.
Fast, Simple, Online Process
No waiting weeks for underwriters to call you back. Fill out our quote form and get insured the same day.
Real Agents, Real Support
When you call us, you get a live person—not a phone tree. And that person knows contractor insurance inside and out.
Coverage Built for Real Contractors
Residential remodelers
Commercial builders
Independent contractors
Handymen scaling their business
Renovation specialists
Subcontractors and project managers
If you’re bidding jobs, hiring help, entering client homes, or managing work crews—you need insurance.
Long-Term Liability: Covered.
Some insurance policies stop protecting you once the job is done. Not ours.
Completed Operations & Long-Tail Liability Coverage
Let’s say a few months after finishing a build, your client files a claim because:
- A faulty gas fitting caused a leak
- Poor drainage led to water damage
- A railing comes loose, causing a fall
With our completed operations coverage, you’re protected. We help you pay for legal costs, repairs, and damages—even after you’ve moved on to your next project.
Local and Nationwide Insurance for General Contractors
We offer state-specific coverage tailored to licensing requirements, contractor class codes, and local regulations.
Our policies are active in all 50 states, including:
California, Texas, Florida, Arizona, New York, Pennsylvania, Georgia, Colorado, North Carolina, Illinois, Ohio, Oregon, Washington, and more.
Need coverage in multiple states? No problem—we’ll help you stay compliant across all of them.
GET A QUOTE IN MINUTES
Getting started is easy:
- 1. Fill out our online form
- 2. Speak to a specialist (optional—but helpful)
- 3. Start your policy with just 20% down
- 4. Access your certificate of insurance instantly
- 5. Go back to work, fully protected
It’s fast. It’s affordable. And it could save your business.
FAQs About Contractor Insurance
We know contractor insurance can feel complicated. That’s why we’ve compiled answers to the questions we hear most often from contractors like you. At ACI, our goal is to make insurance simple, fast, and reliable, so you can focus on your work without worrying about coverage.
1. Do I need general contractor insurance if I’m just starting out?
Yes. Even one small project can create risk. You may also need insurance to get licensed or pull permits.
2. Can I add subcontractors to my policy?
Absolutely. Let us know who you’re hiring and how often—they can be covered under your policy or listed separately.
3. What if I work in multiple states?
We’ll help you build a policy that covers all locations and keeps you compliant with each state’s requirements.
4. How fast can I get insured?
Most contractors are covered within a few minutes of submitting their quote request.
We’re More Than Just Insurance
No phone menus, just real people who understand your needs.
Whether you’re a small or large business, we’ve got you covered.
When the unexpected happens, we’ve got your back.