Contractor Insurance
in Pennsylvania
Affordable Contractor Insurance in Pennsylvania—Built for Your Trade
From Philadelphia’s tight urban codes to rural building zones across the state, Pennsylvania contractors face complex requirements and risks. ACI simplifies the process with fast, customized insurance coverage that meets state laws and client demands. Whether you’re a general contractor, roofer, plumber, or remodeler, we help you stay compliant, covered, and ready to work.
Why Contractors in Pennsylvania Choose ACI
Pennsylvania-Specific Knowledge
We understand local license rules and insurance mandates.
Same-Day Certificates
Fast digital proof of coverage so you don’t miss a project.
Flexible Payment Plans
Get coverage with as little as 20% down.
Bundle & Save
Combine multiple policies and save up to 25%.
Insurance Coverage We Offer in Pennsylvania
ACI offers full-spectrum protection for every contractor and project type—residential, commercial, and everything in between.
- General Liability Insurance
Protects against third-party property damage or bodily injury. Required for many licensed contractors and client agreements.
- Workers’ Compensation Insurance
Mandatory in PA for any business with one or more employees. Covers job-related injuries, medical bills, and lost wages.
- Commercial Auto Insurance
Insures trucks, vans, and other business vehicles used for transporting tools, crews, and supplies.
- Tools & Equipment Insurance
Covers damage, loss, or theft of job-critical tools and gear—on site or in storage.
- Builder’s Risk Insurance
Project-based protection for structures under construction, including building materials, labor, and more.
- Professional Liability Insurance
Covers claims of negligence, design flaws, or errors in your work—especially useful for design-build or consulting contractors.
Who We Cover in Pennsylvania
We insure solo contractors, growing crews, and multi-trade firms throughout the state—from the Lehigh Valley to Erie.
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Installers
If you build, fix, wire, or install it, we’ll insure it.
How Much Does Contractor Insurance Cost in Pennsylvania?
We don’t believe in one-size-fits-all policies. Instead, we deliver tailored pricing that reflects your risk level and coverage needs. Here’s what determines your monthly premium:
Cost Factors
- Type of Work
Roofers and excavation contractors tend to pay more than painters or handymen due to higher risk exposure.
- Business Size
More employees or projects mean a higher potential for claims—and higher rates.
- Coverage Limits
More coverage = more protection (and usually a slightly higher premium).
- Claims History
Fewer claims often lead to lower premiums and better underwriting offers.
- Location
Working in cities like Philly or Pittsburgh may cost more than rural or suburban markets.
Want to see your rate in 10 minutes or less? Request your custom quote now.
Pennsylvania Contractor Insurance Requirements
General Liability Insurance
Though not required by the state, many local municipalities or client contracts demand liability coverage for permits and licenses.
Workers’ Compensation Insurance
Any PA contractor with employees must carry workers’ compensation insurance per state law.
Commercial Auto Insurance
Vehicles used for business purposes must be covered under a commercial auto policy.
Insurance requirements vary by trade and municipality. We’ll help you get exactly what’s required for your business.
Get a Free Contractor Insurance Quote
in Pennsylvania
Fast quotes, no fluff, and coverage you can rely on—ACI makes it easy to protect your business and get back to building.