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Contractors Insurance

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Cover every square inch of your clients’ needs.

From tailored protection to essential coverages, EMC has the right tools for the job.


EMC has the knowledge and expertise to protect every square inch of your clients’ needs. And with over 110 years of experience, we’ve become the jack of all trades—from general contractors to electricians to excavators. No matter your client’s specialty, EMC has the right insurance options to protect them.

And we offer more than just great coverage. EMC provides access to specialized safety solutions, personalized claims handling and expert medical management programs. When it comes to protecting your contractor clients, let EMC do the heavy lifting.

We’re ready to partner with you to manage your clients risks and give them peace of mind—countrywide.


Contractors insureds written in 41 states

All the Essential Coverages Your Clients Need

EMC offers many types of insurance for contractors and a variety of individual coverages, including:

Coverage is not available in all states, including California; talk to your local EMC underwriter or sales team for details.


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Contractors Insurance from EMC

Learn why EMC is the best option to protect your contractor clients.

Eligible Operations

We proudly protect more than 125 types of contractors, including the ones listed below. To learn more about EMC's appetite for contractors, contact your local EMC branch office.

  • Carpenters
  • Lawn Care
  • Interior Decorators
  • Drywall Contractors
  • Masonry
  • General Contractors
  • Excavators
  • Electricians
  • Sheet Metal Workers

Ineligible Operations

Not all construction operations are eligible for contractors insurance from EMC. Some ineligible characteristics include:

  • Street and road work over 55 MPH posted speed limit
  • Residential roofing
  • Blasting
  • Oil and gas work
  • Electric light or power construction
  • Bridge work
  • Paper contractors
  • Work more than four stories high
  • Developers
  • Joint ventures
  • Sand and gravel hauling

Personalized Claims Support

Our experienced claims professionals are always ready to respond with local, personalized service, with the goal of resolving all claims quickly, accurately and with as little disruption as possible.

EMCs average claims service score is 4.7/5.

Safety and Loss Control Resources for Contractors

With nearly a century of safety experience, we know how to help contractors prevent accidents and costly losses. To help your clients improve safety, we offer industry-leading loss control services, claims expertise and medical management services, and provide most of these benefits at no additional cost.

Jobsite Survey: We help contractors identify hazards that pose potential safety and liability risks to their worksite and employees and recommend viable solutions to address them.

Return to Work*: We minimize costs from lost time, medical expenses and hiring replacement works by getting workers back to work quickly and safely.

Online Safety Training: Your clients can access convenient, short training segments for employees, complete with quizzes to check for understanding. Our user-friendly online training system allows your clients to register, assign training modules and track employees’ progress.

Drug Free Workplace*: We have partnership resources to help improve workplace safety and health through comprehensive programs that include supervisor training, employee education and assistance, and drug testing.

Driver Safety Solutions: Our wide range of driver safety and fleet resources can help your clients avoid collisions that result in death, injury and property damage. Our program partners offer driver monitoring, maintaining driver lists, training and more.

Visit the Contractors Loss Control page to learn more about our extensive collection of online safety resources.

*These services are available to policyholders with EMC workers’ compensation insurance.

Hear From an EMC Agent

I’ve had great success placing clients into EMC’s Contractors Insurance Program. EMC’s industry expertise and coverage offerings, such as blanket additional insured and waiver of subrogation, allows us to meet or exceed the insured’s contractual obligations.

MATTHEW D'ARCY — Cross Insurance

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Be an EMC Agent

Choose an insurer that puts you first. Find out how our products, services, expertise and partnership can support your success.

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Loss Control Resources

With nearly a century of safety experience, we know how to help your clients prevent accidents and costly losses.

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