Contractor insurance

Having trade-specific contractor insurance not only protects your businesses from unforeseen events, but also demonstrates your commitment to safety and professionalism.

multiple photos in a collage, showcasing various contractors, from HVAC installers, electricians and farm irrigation technician monitoring his field equipment

Ensure your long-term success with trade-specific contractor insurance.

Contractors face many risks in their business operations, from property damage and physical injury to legal disputes and unforeseen project delays. These risks can not only result in costly damages, but also put the future of a business at stake. While regulations and laws vary by state, most states legally require contractors to show proof of insurance before bidding on or taking a job.

To protect yourself from risks, you can opt for insurance specifically designed for your industry. By having the right insurance, you can mitigate the financial and legal risks for your business operations and focus on growing your business.

From agricultural to commercial contractors, SECURA understands the risks contractors face. We have established trade-specific insurance programs, which offer coverages like General Liability, Commercial Property, Inland Marine, Workers’ Compensation, Commercial Auto, and more.

What insurance do contractors need?

Having the right Contractor insurance will help minimize risks, and provide the right coverages if you’re ever found liable.

Commercial Property

This covers your building and your business’s personal property, such as computers and furniture, with additional coverage options for machinery, stock, and operating expenses in the event of a loss.

Commercial Auto

Auto coverage shields your business against expenses from injuries and damages involving your business-owned vehicles.

Contractor’s Errors and Omissions

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.

Cyber Security

Cyber Security insurance covers expenses related to lost or compromised data, payment fraud, data restoration expenses, and more.

Employment Practices Liability Insurance (EPLI)

EPLI provides defense and compensation for employee-related lawsuits ranging from sexual harassment, discrimination, and other questionable employment practices.

General Liability

General Liability insurance helps protect businesses from claims caused by bodily injury, property damage, or personal and advertising injury. These risks can happen to any business, small or large.

Inland Marine

Inland Marine insurance offers protection for your transportable property. Inland Marine insurance can cover a wide range of specialized property that moves or is transported across land.

Workers’ Compensation

Workers’ Compensation provides the coverage and resources you need to help get your employees healthy and back to work after they sustain a work-related injury.

SECURA works with many types of contractors, providing customized insurance solutions for businesses of all sizes.

Don’t see your business listed below? View our coverages for professional services, or have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

  • Alarm installation services
  • Agricultural equipment installation contractors
  • Asphalt contractors
  • Carpentry contractors
  • Commercial general contractors
  • Concrete contractors

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Common questions about insurance for contractors

Do contractors need insurance?

While regulations and laws vary by state, most states require contractors to show proof of insurance before bidding on or accepting a job. If you’re offering services, consulting, or products, then you should protect your business with insurance. The right insurance can help protect your business vehicles, operations, employees, and much more.

What does Contractor insurance cover?

Contractor insurance safeguards businesses against expenses related to injuries or damage to a client’s property. It also provides coverage for your tools and equipment that you need to do your job, as well as protecting your vehicles and your employees.

How much is Contractor insurance?

While the cost of contractors insurance will vary, your premium depends largely on the types of projects you work on, where you are located, number of employees, number of vehicles owned, types of vehicles used, and other factors. Your local independent insurance agent can help guide you to determine the best insurance package for your business.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

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 write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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