Contractor's Insurance

Insurance for Skilled Laborers and Their Businesses

Work with our team at Liberty when you need guidance from experts who understand the risks involved with skilled labor and contracting.

We make sure to plug the gaps in coverage for contractors.

Contractor Insurance Coverage Options

General Liability

Protects your business from consumer claims of injury or illness.

Business Owner's Policy (BOP)

Combines your liability and property coverage. Also known as a Business Owner’s Policy, these coverages often help our clients save money.

Commercial Property

Commercial Property Insurance protects your business facilities, property, and holdings.

Commercial Auto

Commercial auto policies cover vehicles used for work—including personal vehicles used by staff, managers, or business owners.

Umbrella and Excess

Umbrella and excess insurance provides greater limits and additional coverage to protect against catastrophic losses.

Workers’ Comp

Required by law, workers’ comp programs offer medical payments and income replacement for injured team members.


Environmental liability insurance protects your business if your work damages the local environment or claims are made that that is the case.

What Coverage Options are Right for Your Contracting Company?

We offer solutions to Risk Management, Claims Management and assist with
Loss mitigation tools.

Why Does Your Contracting Business Need Insurance?

Contracting businesses need insurance for a variety of reasons, but most importantly, they simply have quite a lot of exposure that could cause problems at literally any time. You’re working with dangerous materials, machines, and products.

Plumbers, HVAC techs, electricians, and other specialized tradesmen, you’re operating in potentially dangerous environments. You need coverage because your business—quite literally—depends on it.

Does a Contractor Need Business Support?

Contractors could use business support simply because these types of businesses are so diverse. You can work with The Liberty Company to better manage:

  • Hiring
  • Leadership
  • Bookkeeping
  • Safety training
  • Educational support

With this sort of support, you can change the way your business runs, enhance your bottom line, and protect your team. Remember, your business is so diverse that getting support is a good thing.

How Does Contractor’s Insurance Work?

With diverse clients come diverse needs. Working with our team at Liberty, you get the chance to:


Review Your Needs

We cover every detail of your operation to make certain that you’re properly covered. This is the easiest way to avoid gaps in contractor’s insurance coverage.


Obtain Quotes From Our Partner Carriers

We have access to every carrier in the industry, allowing us to market your policy for the best price and level of coverage.


Learn About Policy Options

We’ll help you balance price and coverage while reviewing every quote we’ve received. Because we have existing relationships with business carriers, we know how to pinpoint the best policy for you.


Get Covered Right Away

We can close the deal quickly, bind coverage, and make sure that your contracting company is protected.

Frequently Asked Questions about Contractor's Insurance

Contractors perform skilled labor in homes and businesses throughout the community, offering plumbing, electrical, HVAC, and other technical services to the public.

Contractor work in construction often applies to the nuts and bolts of the building that make it functional, including the plumbing, electrician, HVAC system, etc.

At Liberty, we recommend you choose our team of experts because we offer expert guidance, quotes from all the best carriers, claims support, and a host of other options that will maximize the performance of your business.

Don’t hesitate to reach out. We can answer your questions, write coverage, and close the deal so you can get back to work.

Articles & Resources for Contractors

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