Contractor Insurance Coverage Types
Affordable Contractors Insurance offers a full suite of products to protect every corner of your business. Our contractor insurance coverage types are designed to shield you from risk, win more contracts, and give you total peace of mind.
Get comprehensive coverage that fits your trade, budget, and project needs—all delivered by a team that knows contractors best.
How It All Fits Together
Property/Inland Marine Policies
- Business Auto
- Commercial General Liability (CGL)
- Builders Risk
- Equipment Floater
Basic Liability Policies
- Umbrella/Excess Liability
- Business Auto
- Commercial General Liability (CGL)
Additional Liability Policies
- Contractors Pollution Liability
- Contractors Professional Liability
Why Contractor Insurance Coverage Matters
Every contractor faces risks—from on-site injuries to property damage and legal claims. Having the right contractor insurance coverage types in place can help you:
ACI helps you find the perfect insurance package for your unique needs and budget.
Our Contractor Insurance Coverage Types
1. General Liability Insurance
Protects your business from third-party claims of bodily injury, property damage, and personal injury. This is the foundation of any contractor’s insurance program and is often required to bid on jobs.
- Covers medical bills for third-party injuries.
- Protects against claims of property damage caused by your work.
- Essential for both residential and commercial jobs.
2. Workers’ Compensation Insurance
Covers medical expenses and lost wages for employees injured on the job. This coverage is required by law in most states if you have employees, and it also protects you from costly lawsuits.
- Covers medical care, rehab, and lost wages for injured workers.
- Protects your business from lawsuits related to workplace injuries.
- Critical for high-risk jobs like roofing and heavy construction.
3. Commercial Auto Insurance
Protects vehicles you own or use for business, including pickups, vans, and trucks. Covers accidents, property damage, and injuries involving your company vehicles.
- Covers work trucks, vans, and other vehicles used on the job.
- Includes liability for property damage and bodily injury caused by your vehicle.
- Optional coverage for tools and equipment stored in vehicles.
4. Umbrella Liability Insurance
Provides extra protection beyond your standard liability policies. Umbrella insurance increases your coverage limits, giving you peace of mind in the event of a major claim.
- Protects against large claims that exceed policy limits.
- Ideal for contractors working on high-risk jobs or large contracts.
- Helps meet client-mandated insurance requirements for major projects.
5. Professional Liability Insurance (Errors & Omissions)
Protect your business from costly claims with Professional and Pollution Liability Insurance designed for contractors.
- Shields against errors, omissions, and pollution risks.
- Tailored policies to address contractor-specific challenges.
- Ensures your business stays secure and compliant.
6. Builder’s Risk Insurance
Covers buildings under construction or renovation, including materials, equipment, and fixtures. Essential for contractors working on new construction or major remodeling projects.
- Protects against theft, vandalism, weather damage, and more.
- Required for contractors working on large, multi-phase projects.
- Helps keep projects on track when unexpected damage occurs.
7. Tools & Equipment Coverage (Inland Marine Insurance)
Also known as Inland Marine Insurance, this coverage protects your tools, equipment, and materials while in transit or stored at a job site. Standard property insurance often doesn’t cover these items when they’re off your main premises.
- Essential type of insurance for contractors who rely on expensive or specialized equipment.
- Provides coverage on and off the job site.
- Helps avoid costly downtime due to lost tools.
8. Other Insurance Coverage Types
ACI also offers several other policies for beyond-the-basics and niche needs.
Why Choose Affordable Contractors Insurance?
Get contractor insurance coverage types tailored for your trade and business. With ACI, you benefit from:
- Custom solutions for your specific risks and projects
- Personal service—speak with real insurance experts
- No coverage gaps—only pay for what you need
- Clear guidance on contractor insurance coverage types
- Fast support and quick certificates
Protect your business with insurance made just for contractors—choose ACI for peace of mind and expert help.
Fast, Reliable Service Every Step of the Way
At ACI, we know your time is valuable. That’s why we’ve made the process simple and fast:
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