General Contractor Insurance
As a general contractor, you’re responsible for overseeing entire projects, coordinating subcontractors, and delivering quality results on time. With that responsibility comes significant risk — from jobsite accidents and property damage to contract disputes and regulatory compliance.
At Insurance Alliance, we specialize in helping general contractors across Washington, Florida, Texas, Arizona, and Idaho secure affordable, comprehensive insurance that protects your business, your employees, and your reputation.
Why General Contractors Need Insurance
Running a contracting business exposes you to unique risks every day:
- Worksite accidents – Injuries to workers or third parties on-site.
- Property damage – Accidental damage to a client’s building, materials, or property.
- Subcontractor liability – Issues with subs can come back to you as the general contractor.
- Tools & equipment theft – Expensive gear and machinery at risk in transit or on-site.
- Contract requirements – Many jobs require proof of insurance or higher liability limits.
- Regulatory obligations – States like WA, FL, and AZ require insurance and bonds for licensing.
Without proper coverage, even one claim could derail your business.
Core Coverages for General Contractors
General Liability Insurance
Covers third-party bodily injury and property damage claims. For example, if scaffolding collapses and damages property, liability insurance covers repair costs and legal defense.
Business Owner’s Policy (BOP)
Bundles general liability with property insurance, protecting your office, equipment, and liability exposures in one cost-effective package.
Workers’ Compensation
Required in WA, FL, TX, AZ, and ID if you employ staff. Covers medical expenses and lost wages for injured employees.
Commercial Auto Insurance
Protects trucks, vans, and trailers used for hauling tools, equipment, and crews.
Inland Marine (Tools & Equipment)
Covers portable tools and equipment against theft, vandalism, or damage in transit.
Contractor’s Bonds
Required in many states to secure licenses and guarantee compliance with regulations and contracts.
Umbrella Liability Insurance
Extends your liability limits, often required for large-scale or municipal projects.
State-Specific Considerations
- Washington – Strict contractor bond requirements and earthquake risk make liability and umbrella policies vital.
- Florida – High hurricane and flood risk means property and inland marine coverage are critical.
- Texas – Large-scale projects often require higher liability limits and umbrella coverage.
- Arizona – Licensing laws require general contractors to carry specific bonds and liability insurance.
- Idaho – Smaller projects still carry big risks; comprehensive but affordable policies help local contractors stay competitive.
Why General Contractors Choose Insurance Alliance
- Industry Expertise – We understand the risks and requirements specific to contractors.
- Multi-Carrier Access – We shop top-rated insurers to get you the best coverage at competitive rates.
- Fast Certificates of Insurance (COIs) – Don’t lose jobs waiting for paperwork — we deliver COIs quickly.
- Scalable Policies – From small residential contractors to large commercial GCs, we tailor coverage that grows with your business.
- Personalized Support – Our team explains your options clearly and ensures you’re not paying for unnecessary extras.
Real-World Scenarios
- A worker injury in Washington leads to a workers’ comp claim — medical expenses and lost wages are covered.
- A hurricane in Florida damages equipment stored on-site — inland marine coverage pays for replacements.
- A commercial client in Texas requires $5 million in liability coverage for a government contract — umbrella coverage satisfies the requirement.
- A truck accident in Idaho hauling equipment results in property damage — commercial auto insurance pays for damages.
- A subcontractor error in Arizona leads to a property damage lawsuit — general liability coverage protects the GC.
Get Your General Contractor Insurance Quote
Protect your projects, your employees, and your reputation with tailored insurance coverage from Insurance Alliance.