Construction crew on a jobsite protected by contractor insurance
Powered by Contractors Choice Agency

Every Contractor Coverage, One Place

Buy contractor insurance the simple way. General liability, workers comp, commercial auto, tools, bonds, and more — every coverage your construction business needs, tailored to your trade, in one quote. Nationwide.

35+ trades Fast COIs Nationwide coverage
9
core coverages under one roof
35+
construction trades served
50
states — coverage nationwide
Fast
quotes, COIs & additional insured
Contractor getting an insurance quote on the jobsite
The One-Stop Insurance Hub

Stop Piecing Together Your Coverage

Most contractors end up with insurance scattered across different sources — a liability policy here, workers comp there, a bond from somewhere else. The result is almost always the same: gaps between policies where a claim can fall through, and overlaps where you're paying twice for the same protection.

Buy Contractor Insurance fixes that. As a service of Contractors Choice Agency, we place every commercial coverage your construction business needs through one point of contact — coordinated, tailored to your trade, and managed together. One conversation, one quote, one agency that knows your whole program.

Explore all coverages
Core Coverages

Nine Coverages, One Complete Program

The building blocks of a complete contractor insurance program — pick what you need, or let us build the whole thing for your trade.

General Liability

The foundation of every contractor's policy — protects against third-party bodily injury, property damage, and completed-operations claims on and off the jobsite.

Learn more

Workers' Comp

Required in nearly every state — covers medical care and lost wages when an employee is injured on the job, and protects your business from injury lawsuits.

Learn more

Commercial Auto

Covers the trucks, vans, and fleets that haul your crews and equipment — liability, physical damage, and hired/non-owned auto for the vehicles your business runs on.

Learn more

Tools & Equipment

Inland marine coverage for the tools and equipment your business depends on — protected against theft, loss, and damage on the job, in transit, and in storage.

Learn more

Bonds & Surety

License bonds, bid bonds, and performance & payment bonds — the surety guarantees that satisfy licensing boards and win you bigger projects.

Learn more

Builders Risk

Course-of-construction coverage that protects a project — structure and materials — against fire, wind, theft, and vandalism until the job is finished and handed over.

Learn more

Umbrella / Excess

Extra limits stacked above your GL and auto policies — the higher liability ceilings that big GCs, developers, and contracts increasingly require.

Learn more

Professional / E&O

Errors & omissions coverage for design-build, consulting, and construction-management work — protection when a professional mistake or design error leads to a claim.

Learn more

Pollution

Environmental coverage for the pollution exposures standard policies exclude — spills, contamination, mold, and pollution conditions arising from your operations.

Learn more
Why Contractors Choose Us

One Hub, Built Around Contractors

Every Coverage, One Place

General liability, workers comp, auto, tools, bonds, builders risk, umbrella, E&O, and pollution — placed and managed through one agency.

Built for Your Trade

35+ construction trades, each with its own risk profile. We tailor coverage to how your trade actually works, not a generic template.

Fast Quotes & COIs

Quick quotes and same-day certificates of insurance and additional insured endorsements — so paperwork never holds up a job.

No Gaps, No Overlap

One agency seeing your whole program spots the gaps between policies and eliminates the coverage you're paying for twice.

Contract-Ready

Send us your contract's insurance requirements — limits, additional insured, waivers — and we structure coverage to satisfy them.

Construction Specialists

Contractors Choice Agency focuses on construction, so we understand contractor risks, bonds, and requirements inside out.

Multiple construction trades at work
Coverage By Trade

Insurance Tailored to 35+ Construction Trades

A roofer's risks aren't an electrician's, and a solo painter's program isn't a mid-size GC's. We tailor coverage to your trade:

Electricians
Plumbers
HVAC Contractors
Roofers
Concrete Contractors
Framing Contractors
General Contractors
Painters
Carpenters
Drywall Contractors
Landscapers
Masons
See All Trades
How It Works

Covered in Four Simple Steps

1

Tell Us About Your Business

Your trade, size, the coverages you need, and the states you work in — through our quick quote form or by phone.

2

We Build Your Program

We assemble the right coverages for your trade and contracts, shop them appropriately, and coordinate them so there are no gaps.

3

Review Your Options

You get clear options and a straight explanation of what each coverage does and what it costs — no jargon, no pressure.

4

Get Covered & COIs

Bind your coverage and get your certificates of insurance and additional insured endorsements fast, whenever a job needs them.

Common Questions

Contractor Insurance FAQs

A few of the questions we hear most. See the full FAQ for more.

Most contractors need general liability at a minimum, plus workers' compensation if they have employees (required in nearly every state). Depending on the business, that core is joined by commercial auto for work vehicles, tools & equipment (inland marine) coverage, a surety bond for licensing, and — for larger operations — umbrella, builders risk, professional/E&O, and pollution liability. The right mix depends on your trade, size, and the contracts you take on.
Yes — that's exactly what we do. Instead of piecing together policies from different sources, Buy Contractor Insurance (a service of Contractors Choice Agency) places every coverage a construction business needs through one point of contact. One conversation, one quote, one agency managing your whole program.
It varies widely by coverage, trade, payroll and revenue, location, claims history, and the limits you need. A solo handyman's general liability might run a few hundred dollars a year, while a full program for a mid-size GC with employees, vehicles, and bonds runs into the thousands. The only accurate number comes from a quote based on your specific business — which we make fast and free.
General liability covers third parties — a client, a passerby, someone else's property — if your work causes bodily injury or property damage. Workers' compensation covers your own employees when they're injured on the job, paying their medical bills and lost wages. They protect different people and different risks, and most contractors with employees need both.
Yes. Certificates of insurance and additional insured endorsements are part of doing business in construction, and we turn them around quickly so you're never held up on a job. Need a GC or property owner added as additional insured to start work? We handle it.
No. Insurance protects your business from covered losses. A surety bond is a three-party guarantee — between you, the party requiring the bond (like a licensing board or project owner), and the surety — that you'll meet an obligation. If you don't, the surety pays the claim and you repay the surety. Many contractors need both bonds and insurance, for different reasons.
35+ construction trades — electricians, plumbers, HVAC, roofers, concrete, framing, general contractors, painters, carpenters, drywall, masonry, flooring, excavation, landscaping, welding, handyman services, and many more. Each trade has its own risk profile, and we tailor coverage to how your specific trade actually works.
In many cases, yes. Some coverages — like builders risk, or a bond for a specific job — are naturally project-based, and general liability can sometimes be arranged per project when a contract requires it. Tell us about the job and we'll structure coverage to fit it.

Get Every Contractor Coverage in One Quote

General liability, workers comp, commercial auto, tools, bonds, and more — one place, one quote, built for your trade. Fast turnaround and COIs when you need them.