Insurance Coverage Types

At Affordable Contractors Insurance, we offer a full range of policies to protect every aspect of your contracting business. Whether you’re insuring tools, employees, or large-scale projects, we provide tailored coverage to meet your needs—no unnecessary extras, just what you need to stay safe and compliant. Find definitions of key insurance coverage types below.

How It All Fits Together

Property/Inland Marine Policies

Basic Liability Policies

Additional Liability Policies

Key Coverage Types for Contractors

General Liability Insurance

Protects your business from lawsuits related to bodily injury, property damage, and advertising injuries.

Covers medical bills for third-party injuries.
Protects against claims of property damage caused by your work.
Essential for both residential and commercial jobs.

Workers’ Compensation Insurance

Required in most states, this type of coverage provides medical benefits and wage replacement for employees injured on the job.

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.

Builder’s Risk Insurance

Covers damage to materials, equipment, and unfinished structures during construction.

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.

Commercial Auto Insurance

Protects vehicles used for business from accidents, liability claims, and vehicle damage.

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.

Tools & Equipment Coverage

Covers the cost of repairing or replacing damaged or stolen tools and equipment.

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.

Excess & Umbrella Insurance

Adds extra liability protection beyond the limits of your general liability or commercial auto policy.

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.

Professional & Pollution Liability

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.

Other Types of Insurance Coverage

ACI also offers several other policies for beyond-the-basics and niche needs.

Custom Insurance Solutions for Every Contractor

No matter your trade, ACI offers tailored insurance solutions to protect your business. We work closely with you to ensure your policy fits your specific needs, helping you avoid unnecessary costs and coverage gaps. With us, you can speak to a real person about your insurance coverage definitions and requirements.