Protect Your Construction Business with Contractors’ Insurance

May 21

If you're a general contractor, builder, or trade professional, you know the construction industry is full of potential risks, both on and off the job site. Having the right contractors’ insurance is crucial to protect your business from costly claims, delays, and unexpected setbacks.

At The Arnold Insurance Agency, we specialize in commercial insurance for contractors and construction companies. We understand the unique exposures in your industry and provide custom insurance solutions that help you stay protected and competitive.

What Is Contractors’ Insurance?

Contractors’ insurance is a combination of policies designed to protect construction businesses from a range of job-site and business risks. These policies can cover everything from workplace injuries and property damage to equipment loss and legal liability.

Whether you’re a general contractor, subcontractor, or construction company owner, having tailored insurance is not only smart—it’s often required by law or contract.

Common Risks Faced by Contractors and Construction Businesses

Operating in the construction industry means dealing with complex, high-risk environments. Some of the most common exposures include:

Injuries on the jobsite (falls, machinery accidents)
Damage to client property
Theft of tools and equipment
Project delays and contract disputes
Pollution or hazardous material liability

Without the right insurance coverage, a single incident can jeopardize your entire business.

Essential Insurance Coverages for Contractors

Here are the key types of contractor insurance coverage every construction business should consider:

1. General Liability Insurance for Contractors

Protects against third-party bodily injury, property damage, and completed operations liability.

2. Workers’ Compensation Insurance

Covers medical expenses and lost wages for employees injured on the job. Required in most states.

3. Commercial Auto Insurance

Insures vehicles used for business, including trucks, vans, and trailers.

4. Contractor’s Equipment Insurance

Covers loss or damage to tools, machinery, and equipment, whether on-site or in transit.

5. Builders’ Risk Insurance

Provides coverage for buildings under construction, including materials and temporary structures.

6. Professional Liability Insurance (Errors & Omissions)

Ideal for contractors who provide design or consulting services. Protects against claims of negligence or errors.

7. Surety Bonds for Contractors

Guarantees your obligations to project owners, helping you win bids and stay compliant with regulations.

Why Choose a Commercial Insurance Agency That Specializes in Construction?

Working with an agency that understands contractors and construction insurance makes a difference. Here's why businesses choose The Arnold Insurance Agency:

✅ Construction Industry Expertise
We speak your language and understand your day-to-day challenges.
✅ Customized Coverage Plans
We tailor insurance to your trade, project types, and risk profile.
✅ Access to Top-Rated Carriers
We partner with trusted insurance providers specializing in the construction sector.
✅ Fast Certificates & Claims Support
Get the documentation you need quickly, and rely on us when it matters most.

Build a Stronger Business with the Right Contractors’ Insurance

Your business is built on strong foundations. Shouldn’t your insurance be the same? At The Arnold Insurance Agency, we help contractors, subcontractors, and construction professionals find affordable, reliable, and comprehensive insurance solutions.

📞 Contact us today for a free coverage review or quote. Let’s make sure your business is protected on every job and every site.

Nicholas Buss