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

Basic Liability Policies

Additional Liability Policies

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:

Secure more contracts by meeting insurance requirements

Protect your assets and employees

Cover unexpected accidents, damages, or lawsuits

Stay compliant with state and industry regulations

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.

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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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Submit your info online for a quick estimate.

Speak with a Licensed Agent
Our agents know contracting industries and will tailor your policy.
(888) 505-9012

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With as little as 20% down and you’re ready to go.

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I have worked with ACI for several years, and they have consistently provided outstanding service. They are, without a doubt, one of the best insurance brokerages for all your insurance needs. Their team is knowledgeable, dependable, and easy to communicate with. What I appreciate most is that they take the time to educate you throughout the process, ensuring everything is clearly explained with no surprises or gray areas. I would especially like to recognize Christina Bommarito for her exceptional service. She is professional, personable, respectful, and genuinely committed to her clients. You can trust that she'll be there when you need her, and she always goes above and beyond to provide the support and guidance you deserve. I highly recommend ACI to anyone looking for a trustworthy insurance brokerage.

Julio R

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Shawn did a phenomenal job helping me with the business insurance for Lone Ranger Roofing. He took the time to shop multiple options and made sure we had the right coverage at a competitive price. What really stood out was his level of customer service. He even helped me get a roof claim removed from our claims history after determining it was a false claim, which was a huge help. Shawn was responsive, knowledgeable, and went well beyond what I would normally expect from an insurance broker. If you're a business owner looking for someone who will actually take the time to advocate for you and find the right coverage, I highly recommend Shawn.

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Awesome experience. Easy to talk to regarding boring business stuff. Really went to bat for our small business. Highly recommend especially to small businesses owners. Will be passing his contact information around to any business owner that wants to save money but will receive a quality service and product

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I ask for a COI and before I can even think about it they have a copy of it sent to me. I love this place.

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El señor Bobby brinda un excelente servicio 100 % recomendado

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Sebera S

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Behalf of Sarmiento Concrete, LLC Kim Haley with Affordable Contractor Insurance has been absolutely amazing to work with! She is always professional, helpful, and incredibly quick to respond whenever I need assistance, especially with Certificate of Insurance (COI) requests. I truly appreciate how dependable and efficient she is—it makes handling our business insurance needs so much easier. **Excellent customer service, and I highly recommend Kim!**