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Contractor Insurance

EMC Insurance Companies has the knowledge and expertise to provide you with the right contractor insurance policy for your business. We offer a full range of commercial insurance policies for small contractors including carpenters, electrical contractors, concrete work and many more.*

Who Needs Contractors Insurance?

If you’re a contractor, subcontractor or independent tradesman, you need to carry commercial insurance. Contractor insurance not only protects you and your business, but many employers require it before you can work with them. Common trades that need contractors insurance:

  • Carpenters
  • HVAC Contractors
  • Lawn Care
  • Interior Decorators
  • Drywall Contractors
  • Masonry
  • Carpet Installers
  • Concrete Workers
  • Siding Contractors
  • Sheet Metal Workers

Types of Contractor Insurance

Contractor insurance can include a variety of individual coverages, such as:

Essential Property Coverage helps protect your buildings, tools and equipment against physical damage such as fire.

Comprehensive Business Auto Coverage covers company and personal vehicles that you or your employees use to transport tools and equipment to the jobsite.

General Liability Insurance for Contractors protects your business from liability exposures such as injuring people, faulty work or damage to a customer's property.

Errors and Omissions (Contractors E&O) Insurance is an optional coverage that provides protection in case of an error during your construction process.

Umbrella Coverage provides your business with additional security in the event of a catastrophic liability claim that would otherwise exceed your coverage limits.

Workers’ Compensation Insurance covers medical expenses and compensation for workers who get injured while on the job (available in select states).

Do Contractors Need E&O Insurance?

Depending on what type of work you do, you may need contractors E&O insurance. For example:

A contractor mixes up the orders between two customers and installs the wrong product. Contractors errors or omissions coverage would help pay for the labor and materials needed to fix the mistake.

A contractor misreads a site plan during installation. As a result, the project is done incorrectly and has to be redone. Contractors errors or omissions coverage would help pay for the labor and materials needed to fix the mistake.

How Much is Insurance for a Contractor?

The cost of contractor insurance can vary depending on the size of your business and the type of work you do. For example, a plumbing contractor is exposed to risks that a carpenter isn't, and vice versa. Therefore, you should expect their rates to differ. EMC can customize your contractors insurance policy to work for you. Contact a local independent agent and ask about EMC's contractor insurance.

Our Contractor Insurance Stats

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EMC proudly provides insurance coverage for over 8,500 contractors in 41 states.

Types of Contractor Insurance Coverages

Property and Inland Marine
  • Employee dishonesty
  • Employees' tools
  • Money and securities
  • Pollutant cleanup and removal
  • Property: In transit and off premise
  • Utility services: Direct damage
  • Water backup
  • Builders risk
  • Contractors' equipment
  • Installation floater
  • Rented equipment
  • Blanket additional insured
  • Blanket waiver of subrogation
  • Bodily injury: Includes mental anguish
  • Extended property damage for property in your care, custody or control
  • Fellow employee
Commercial Auto
  • Audio visual and data electronic equipment
  • Blanket additional insured
  • Business income and extra expense
  • Hired auto physical damage
  • Towing and labor
  • Waiver of glass repair deductible

These are just some of the coverages offered through the EMC contractors insurance program. Talk with your independent insurance agent to learn more.

Disclaimer: This is a summary of coverages available. Coverage is subject to policy terms and conditions, limitations and exclusions, and may vary from state to state. Read your policy for specific terms and conditions, or contact your local agent for details.

Hear From an EMC Agent

"I've had great success placing clients into EMC's Contractor 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."

MATHEW D'ARCY — Cross Insurance

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Safety and Loss Control Resources for Contractors

EMC has provided loss control services for our policyholders since 1926. Our experienced loss control professionals can give you suggestions and solutions that can lessen your risks, including:

Ergonomic Evaluations** to identify ergonomic issues before losses occur. We also offer online resources to help you spot problems and educate your employees.

Slip and Fall Prevention to help you develop a proactive approach to reducing these incidents in your facility. We also offer many online resources to help prevent slips and falls—a leading cause of workplace injuries.

Hazard Control Assessments to identify hazards that pose the greatest potential safety risks to your operations. We then recommend viable solutions to control or reduce these risks.

Injury Management Programs** to help reduce the impact of injuries at your facility, including select provider, return to work, prework screening and worksite wellness programs.

Online Safety Training to give your employees convenient access to short training segments, complete with quizzes to check for understanding. You can register, assign training and track your employeesʼ training progress through our easy-to-use online training system.

Safety Program Templates for Contractors to keep your business safe and in compliance with various regulations, including those set by OSHA and DOT.

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

Count on EMC® for Quality Contractors Insurance

Whether you work in carpentry or concrete, EMC has a wide range of insurance policies for contractors. With more than 110 years of experience, customers know they can Count on EMC — and you can too.

*This program is not available in all states.

**These services are available only in territories where EMC provides workers' compensation coverage.

Find an EMC agent

Contact a local independent insurance agent and ask about EMC's contractors insurance.

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A local independent insurance agent near you can help you find the right insurance for your needs.

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