Contractor Business Insurance

Contractor Insurance

Contractors manage many things on a daily basis – client relations, timelines, subcontractors, and permits, among many other things. When you insure your contracting business with SECURA, business insurance is one less worry on the job site.

At SECURA, we understand how important it is for contractors to have an insurance provider that specializes in your industry. We offer trade-specific coverages and services that will help guide you in selecting the right coverage for your business type, size, and risk.

Why do contractors need business insurance?

There are many liabilities that contractors face in their daily operations; that’s why having business insurance tailored to your industry is an important step for any business owner to take. Insurance for contractors helps cover a variety of expenses, from an accident involving a work vehicle to the theft of building materials and tools. Contractor insurance offers protection so you won’t be stuck paying for these incidents out of pocket if they do occur. Most states also legally require contractors to show proof of insurance before bidding or taking a job. The regulations and laws vary by state.

What contractor insurance coverages do we offer?

  • Workers’ Compensation – With SECURA’s Workers’ Compensation, employees receive better care and you experience fewer unnecessary claims, saving time and expense.

  • Commercial Auto Insurance for Contractors – If your business owns or uses autos, you’ll need Commercial Auto Insurance. Commercial Auto Insurance protects your business against liability for damages caused by accidents involving your business autos and provides compensation to occupants injured in accidents.

  • General Liability Insurance for Contractors – A general liability policy helps protect businesses from claims caused by bodily injury, property damage, or personal injury. These risks can happen to any business, small or large.

  • Contractor’s Errors & Omissions Liability Coverage – Mistakes happen, even to the most cautious contractors. This coverage not only protects against mistakes made by your business, but also mistakes made by your employees. It also provides some limited design liability.

  • Inland Marine – This coverage helps protect your transportable assets and property. Inland Marine insurance can cover a wide range of specialized property that is moveable or could be in transit over land. For contractors, this covers items like:
    • Employee tools
    • Equipment leased or rented from others
    • Property loaned to others
    • Other equipment coverages are available upon request

  • Additional Insured WRAP – WRAP is an insurance term that provides a blanket of coverage for specific types of businesses. SECURA’s Additional Insured WRAP provides the five most common forms and coverage requirements for most construction contracts, so there’s no need to endorse your policy every time you sign a contract.

  • Extended Automatic Additional Insured – Provides automatic coverage to entities required to be listed as an additional insured on your policy, but are not part of the written contract.

  • Employment Practices Liability Insurance (EPLI) – Protect your business from claims made against your company for wrongful termination or discipline, failure to promote, harassment, or defamation of character.

  • Cyber Security Insurance Coverage – Cyber-attacks are rapidly becoming a large-scale global problem and business of all sizes are targets, leaving no business free from risk. Make sure your business is prepared with SECURA’s Cyber Security coverage.

Value-added services:

  • Business Risk Management: Our Risk Management team will partner with you to help create safer workplaces with fewer losses. This can include:

    • Strategic consulting - A Risk Management consultant will ask questions, listen to concerns, and craft solutions tailored specifically for your needs, including:

      • Property hazards (dust, spray finishing, storage of flammables, fire protection)
      • Product exposures (record keeping, customer sign-off, recall exposures)
      • Noise testing
      • Service plans

    • Risk Management Resources – We provide free downloadable safety programs and loss prevention articles.

  • 24/7 Work Comp Nurse Hotline: Our Nurse Hotline provides 24/7 medical advice from a registered nurse, so you can get the help you need when your employees are injured.

Types of contracting industries we insure:

  • Asphalt
  • Concrete flatwork
  • Carpentry
  • Electrical
  • Excavators
  • Flooring installation
  • Commercial general contractors
  • Glass and glazing
  • Landscapers
  • Masonry
  • Painting
  • Plumbing, heating, and air conditioning


Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to sell all types of insurance. Please read the policy carefully.