Specialized Contractor Insurance
Coverages
Protect Your Business from Risks That Standard Insurance Policies Miss
From cyber liability to inland marine and more — get the protection your contracting business needs beyond basic liability. Get a Free Quote in Minutes!
Protect Your Business with Comprehensive Insurance for Contractors
At Affordable Contractors Insurance (ACI), we deliver truly comprehensive insurance for contractors who know that one-size-fits-all coverage falls short. Beyond essential general liability and workers’ comp, our specialized protection plans safeguard against job-site theft, project delays, and unforeseen liabilities. Get comprehensive contractor insurance tailored to your exact needs—request a free quote today.
What Do Other Coverages Include?
Our additional coverages are essential for contractors who need protection beyond the basics. Here’s how these policies can safeguard your business:
- Inland Marine Insurance: Protects tools, equipment, and materials in transit or stored off-site, ensuring your assets are covered wherever the job takes you.
- Cyber Liability Insurance: Covers costs related to data breaches or cyberattacks, protecting sensitive client and business information.
- Contractor’s Errors & Omissions (E&O) Insurance: Provides coverage for claims of errors or omissions in your work—such as project documentation mistakes or faulty advice—that result in financial loss for clients.
- Employee Dishonesty Insurance: Protects your business against losses caused by theft or fraud committed by employees, safeguarding your business assets.
Why Contractors Need Additional Coverages
- Essential for Protecting Assets and Managing Unique Risks
- Meets Client and Regulatory Requirements for Specialized Projects
- Safeguards Against Financial Loss from Theft, Errors, or Cyber Threats
How Much Do Additional Coverages Cost?
- Type of Coverage: Rates vary widely depending on the specific coverage, such as inland marine, errors & omissions, or cyber liability insurance.
- Business Size and Risk Level: Larger operations or those handling higher-value projects may see increased costs.
- Coverage Limits and Deductibles: Higher limits and lower deductibles can raise premiums.
Benefits of ACI’s Additional Coverages
When you choose Affordable Contractors Insurance, you get more than specialized policies—you gain a valued partner who understands the unique risks contractors face and provides support every step of the way.
- Same-Day Policy Binding – Get immediate coverage for added peace of mind.
- Exclusive Contractor Rates – Save up to 25% with affordable premiums and tailored bundles.
- Easy Certificate and Bond Requests – Quickly access certificates or request surety bonds.
- Year-Round Support – From claims assistance to policy adjustments, our team is here to help.
Coverage You Can Count On
Specialized Contractor Insurance Coverages That Go Beyond General Liability
These specialized contractor insurance coverages help protect your business from risks general liability doesn’t cover—like cyber threats, professional mistakes, employee theft, and environmental claims.
Your coverage includes:
Inland Marine Insurance
Protect tools, materials, and equipment in transit or off-site. Whether stored in a trailer or moved between jobs, your gear is covered where standard policies don’t.
Cyber Liability Insurance
Defend your business from digital threats and data breaches. This policy covers the costs of cyberattacks, ransomware, and accidental data leaks—protecting client and company information from costly breaches.
Contractor’s Errors & Omissions (E&O) Insurance
Avoid financial fallout from project mistakes or professional oversights. Whether it’s incorrect documentation or bad advice, this policy helps cover claims for losses caused by errors in your work.
Employee Dishonesty Insurance
Safeguard your company from internal threats like fraud or theft. Covers losses caused by dishonest acts from employees—protecting cash flow, tools, and sensitive business assets.
Why Choose Affordable Contractors Insurance?
When it comes to specialized insurance products like builder’s risk, pollution liability, and cyber coverage, you need a provider that understands the unique risks contractors face beyond general liability. At ACI, we tailor our policies to fit the real-world challenges of construction professionals—so you’re never left exposed.
- Industry Expertise – We know contractor risks inside and out.
- Tailored Coverage – Custom-fit policies for your trade and projects.
- Quick Quotes – Fast, no-hassle coverage recommendations.
- Affordable Rates – Competitive pricing from trusted carriers.
- All-in-One Protection – One source for all your coverage needs.
Get Your Additional Coverages Today
Don’t leave any part of your business exposed to risks or unexpected costs. Get the coverage you need to protect every aspect of your operation, from tools and data to bonds and specialty projects.
Request a Quote in Minutes
Speak with a Licensed Agent
Start Coverage With AS Little as 20% Down
WhaT Our Clients Say
Specialized Contractor Insurance by State
Local Coverage for Unique Contractor Risks
We offer Specialized Contractor Insurance across all 50 states, tailored to local jobsite risks and regulations. Whether you need inland marine, cyber liability insurance, or E&O coverage, we’ll help you stay compliant and protected wherever you work. Contact us for a local quote.