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General Contractor Insurance That Protects Your Business, Your Crew, and Your Bottom Line
Construction is dangerous work. In 2024, over 1,000 workers died on construction sites, nearly one in five workplace fatalities in the United States. A single lawsuit can wipe out years of hard work. A serious injury can drain your accounts. A missing certificate of insurance can lock you out of the project that would have changed everything.
The right general contractor insurance isn’t a budget line item. It’s the foundation that holds your contracting business together when the unexpected hits.
For over 20 years, The Allen Thomas Group has helped general contractors find coverage that actually fits. We’re an independent agency licensed in 27 states. We shop multiple top-rated carriers on your behalf, comparing options so you get a package built around your operations, not someone else’s template.
Better coverage. Competitive rates. Licensed professionals who understand contractor risk.
Our Carrier Partners
That allows us to find the best rates for our local contractors and construction companies.
Getting The Right Insurance For Your general Contractor Business
We know how frustrating and complex the process of finding the right coverage and getting a COI can be and how it slows down your ability to care for your customers.
Let us help fix it for you in 3 easy steps.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
What Does General Contractor Insurance Cover?
There’s no single policy called “general contractor insurance.” It’s a combination of coverages, each protecting a different part of your operation. What you need depends on your trade, your crew size, your contracts, and the states where you work.
A well-built contractor insurance program typically includes:
- General Liability Insurance — Your foundation. Covers third-party bodily injury, property damage, and legal defense costs. Most project owners and lenders require it before you can bid or break ground.
- Workers’ Compensation Insurance — Required in 49 out of 50 states for contractors with employees. Pays medical bills, rehabilitation, and lost wages for on-the-job injuries. Also shields you from employee lawsuits through employer liability protection.
- Commercial Auto Insurance — Personal auto policies exclude business use. Commercial auto fills that critical gap, covering your trucks, vans, and work vehicles during daily operations.
- Builder’s Risk Insurance — Protects structures under construction from fire, theft, vandalism, and weather damage. Many owners and lenders require it before work begins.
- Umbrella / Excess Liability — Extends your protection beyond standard policy limits. Essential for larger projects or contracts demanding higher coverage.
- Surety Bonds — Financial guarantees — not insurance. Bid bonds, performance bonds, and payment bonds signal credibility and are often required for licensing and public projects.
- Inland Marine / Tools & Equipment — Protects your gear from theft and damage on the jobsite, in your truck, or in storage. Affordable. And frequently overlooked.
- Professional Liability (E&O) — Covers claims of negligence or faulty workmanship causing financial loss. General liability won’t cover these. As projects grow more complex, E&O is becoming critical for general contractors.
How Much Does General Contractor Insurance Cost?
A comprehensive package typically runs $3,000 to $10,000 per year. Your actual cost depends on location, crew size, trade classification, revenue, claims history, and coverage limits.
Some benchmarks: general liability usually costs $80 to $250 per month. Workers’ comp ranges from $150 to $400+ per month depending on state and payroll. Commercial auto runs $150 to $300 per month for a small fleet. Tools and equipment coverage averages just $15 to $50 per month.
Every contractor’s profile is different. A two-person residential crew in Ohio pays far less than a commercial GC managing fifteen subs in New York. That’s why working with an independent agency matters — we compare rates across carriers to find the right balance of protection and price for your specific operation.
Why Contractors Choose The Allen Thomas Group
- 20+ Years of Experience — Two decades helping contractors navigate coverage requirements, complex placements, and difficult claims across multiple states and construction disciplines.
- Licensed in 27 States — Your projects cross state lines. Your coverage keeps up. One agency, one relationship, no compliance headaches.
- Independent Agency, Multiple Carriers — We work for you, not an insurance company. We shop top-rated carriers and compare options side by side so you get the best combination of coverage and cost.
- CISR-Designated Professionals — Verified expertise in commercial insurance and risk management. When you call with a question, you’re talking to someone who knows the answer.
- Real People, Real Relationships — We learn your business. We pick up the phone. We make sure your coverage evolves as your company grows and your projects change.
Getting the right coverage shouldn’t feel stressful. It shouldn’t be confusing. And it shouldn’t cost more than it needs to.
Get the Right Coverage for Your Contracting Business
Every day on the job brings risk. The right general contractor insurance absorbs those hits so your business doesn’t have to.
Talk to a contractor insurance specialist at The Allen Thomas Group today. Over 20 years of experience. Licensed in 27 states. Multiple top-rated carriers. We make getting covered smart, easy, and personal.
Get Your Custom Contractor Insurance Quote.
Call (440) 826-3676 To Schedule a Quick Consultation Today.
Frequently Asked Questions
What insurance does a general contractor need?
At minimum, general liability, workers’ compensation, and commercial auto. Most contractors also need builder’s risk, umbrella liability, surety bonds, and tools coverage. The right package depends on your crew size, trade, project types, and contract requirements. A solo remodeler needs a very different program than a commercial GC managing twenty subcontractors. We help you build exactly what fits — nothing more, nothing less.
Is workers' compensation required for general contractors?
In 49 out of 50 states, yes. Texas is the lone exception — and even there, most project owners require it by contract. Workers’ comp covers medical expenses and lost wages for injured employees. It also protects you from employee injury lawsuits. If you have even one employee, this coverage should be active before anyone steps on a jobsite.
What is a certificate of insurance, and why do I need one?
A COI proves you carry active coverage — listing your policy types, limits, and effective dates. Project owners, lenders, and general contractors almost always require one before work begins. Many won’t let you bid without it. We issue COIs fast, handle additional insured requests same-day, and make sure paperwork never holds up your projects.
Why work with an independent agency instead of going direct?
When you buy from one carrier, you get one set of options and one price. An independent agency like ours shops your coverage across multiple top-rated carriers and compares everything — coverage, exclusions, pricing, claims service. You get an advisor who works for you, not for an insurance company. Better options. Better outcomes.
Do I need insurance if I only use subcontractors?
Yes. As the general contractor, you carry responsibility for the overall project. If a sub causes damage or a third party gets injured, your general liability may need to respond — especially if the sub is underinsured. Many states also hold GCs liable for uninsured subcontractor injuries. We recommend strict certificate tracking for every sub on every job.