Contractor Insurance

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Protect Your Contracting Business with Tailored Insurance

As a contractor, your work builds the homes, businesses, and communities people depend on every day. But with that responsibility comes risk. From worksite accidents and equipment theft to property damage and liability claims, one unexpected event can jeopardize your business.

That’s where Insurance Alliance comes in. We provide specialized contractor insurance for general contractors, flooring installers, HVAC technicians, painters, landscapers, hardscapers, and other specialty contractors across Washington, Florida, Texas, Arizona, and Idaho.

Why Contractors Need Insurance

Every project brings risk:

• Worksite accidents – Employee or third-party injuries.
• Property damage – Mistakes or accidents that damage client property.
• Tool & equipment theft – Expensive tools, vans, and trailers are common targets.
• Regulatory requirements – Many states require contractors to carry bonds and liability coverage.
• Contract compliance – Clients and municipalities often demand proof of insurance before work begins.

Without proper insurance, even a small claim could derail your operations.

Contractor Insurance by Trade

General Contractors

• Broad exposure overseeing entire projects.
• Need liability, workers’ comp, commercial auto, and umbrella policies.

Flooring Contractors

• Risk of property damage (scratches, glue spills, defective installs).
• Coverage for liability, tools/equipment, and workers’ comp.

HVAC Contractors

• Risk of injuries, refrigerant spills, and equipment theft.
• Liability, inland marine, commercial auto, and workers’ comp are essential.

Painting Contractors

• Risks include ladder falls, overspray, and damage to client property.
• General liability, workers’ comp, tools, and bonds keep you protected.

Landscaping & Hardscaping Contractors

• Risks include property damage from heavy machinery, injuries from equipment, and weather-related delays.
• Coverage needs: liability (for property or lawn damage), inland marine (for mowers, excavators, skid steers), workers’ comp, and commercial auto for trailers and trucks.
• Bonds may be required for larger municipal or commercial landscaping projects.

Other Specialty Contractors

Includes plumbers, remodelers, electricians, roofers, and more. Each requires customized insurance packages based on trade-specific risks and state regulations.

Coverage Options We Provide

• General Liability – Covers third-party injury and property damage claims.
• Business Owner’s Policy (BOP) – Bundles liability and property protection.
• Workers’ Compensation – Pays for employee medical expenses and lost wages.
• Commercial Auto – Covers trucks, vans, and trailers used for business.
• Inland Marine (Tools & Equipment) – Protects tools in transit or on-site.
• Contractor’s Bonds – Required for licensing and project compliance.
• Umbrella Liability – Provides higher coverage limits for larger projects.

Why Choose Insurance Alliance?

Contractors in WA, FL, TX, AZ, and ID trust Insurance Alliance because we:

• Understand state-specific risks and licensing requirements.
• Shop multiple top-rated carriers for the best coverage and price.
• Provide fast Certificates of Insurance (COIs) so you can start jobs quickly.
• Offer scalable policies that grow with your business.
• Deliver personal, responsive service so you’re never left unprotected.

Real-World Scenarios

• A painter in Washington accidentally oversprays onto a client’s car. General liability covers repairs.
• A flooring contractor in Florida damages plumbing while removing old tile. Liability insurance pays for water damage.
• An HVAC contractor in Texas has gauges stolen from a van. Inland marine coverage pays for replacements.
• A landscaping contractor in Arizona causes sprinkler damage during a hardscape install. Liability covers repair costs.
• A general contractor in Idaho faces a lawsuit after a slip-and-fall at a job site. Liability and umbrella coverage protect the business.

Get a Free Contractor Insurance Quote

Your business deserves more than generic coverage. At Insurance Alliance, we tailor insurance solutions to your trade, state, and budget. Whether you’re a general contractor managing large projects, a landscaper working with outdoor spaces, or a painter handling residential jobs, we’ll help you stay protected.

👉 Contact Insurance Alliance today for a free quote on contractor insurance in Washington, Florida, Texas, Arizona, and Idaho. Protect your business, your employees, and your reputation with confidence.