Contractor Insurance

Built to protect your trade

Coverage Built for the Jobsite

Protect your tools, crew, and contracts

As a contractor, you’re exposed to risks every day—on the jobsite, with clients, and in transit. Contractor insurance helps protect your business from costly claims, equipment losses, injuries, and legal liability. Whether you’re a general contractor in East Norriton or a tradesperson serving clients across Pennsylvania, the right coverage makes all the difference. We’ll help you find a policy tailored to your trade, your tools, and your team.

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What Contractor Insurance Includes

Protection for jobsite risks and more

General Liability Insurance

Covers third-party injuries or property damage caused by your work or your crew.

Tools and Equipment Coverage

Protects your gear—whether it’s stolen from a truck or damaged on the job.

Workers’ Compensation

Required in PA if you have employees, this covers medical bills and lost wages for on-the-job injuries.

Commercial Auto Insurance

Covers work trucks, vans, and trailers used for business tasks and transportation.

Bonding and License Coverage

Helps meet requirements for licensing and contracting, especially for public jobs or client agreements.

Why Contractors Need Coverage

Liability, licensing, and peace of mind

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It Keeps You Job-Ready

Many projects require proof of insurance before you can bid or start work.

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It Covers Expensive Tools

If your tools are stolen or damaged, this coverage helps you replace them fast and get back to work.

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It Protects Your Reputation

Having solid coverage shows clients you’re serious, responsible, and prepared—key for referrals and long-term success.

Contractor Insurance FAQs

Answers for Pennsylvania tradespeople

  • What types of contractors need insurance in Pennsylvania?

    Nearly all contractors can benefit from coverage—whether you’re a roofer, plumber, electrician, general contractor, or handyman. Many Pennsylvania clients won’t hire you without it, especially for larger or commercial jobs. If you operate in East Norriton or surrounding areas, carrying contractor insurance also helps you stay competitive.

  • Does general liability cover subcontractors?

    Not automatically. If you hire subcontractors, you’ll either need to ensure they carry their own coverage or extend your policy to include them. This helps protect your business from claims related to their work. We’ll help structure your policy based on how your team operates.

  • What’s the difference between a bond and insurance?

    Insurance protects you from financial loss due to accidents or claims. Bonds—like contractor license or performance bonds—guarantee your work to clients or governing bodies. Both are often required for licensed contractors. We can help you secure both quickly and affordably.

  • Does contractor insurance cover my tools in my truck?

    Yes, but only if you have tools and equipment coverage or an inland marine policy. Standard auto or liability policies won’t cover stolen tools or gear. We’ll make sure your coverage extends to where your equipment goes.

  • How much does contractor insurance cost in PA?

    Rates vary based on trade, team size, coverage limits, and claim history. Most small to mid-size contractors in Pennsylvania can expect to pay anywhere from $500 to $2,500 annually. We’ll customize a quote based on your specific business needs and risk profile.