Contractor
For handyman businesses running crews, managing subcontractors, and taking on larger multi-day projects.
Once you move past solo jobs and start running a crew, managing subcontractors, or taking on multi-day projects, your insurance needs change. A one-person GL policy isn't built for the exposure that comes with employees and larger jobs.
More people working under your business name means more exposure — and often more coverage requirements from the clients and GCs you work with.
Your GL policy still covers third-party bodily injury and property damage, but premiums are rated based on payroll and revenue as your team grows, not just a single operator's exposure.
Required in most states once you have W-2 employees. Covers work-related injuries or illness for your crew. We'll help you determine what's required in your state as you add staff.
If you use subs, your policy needs to reflect that. We can structure coverage that accounts for subcontractor exposure so a claim involving a sub doesn't leave a gap.
As your equipment inventory grows — trucks, trailers, shared tools — your tools and equipment coverage should scale with it.
Larger commercial clients and general contractors often require higher limits, additional insured endorsements, and sometimes waiver of subrogation language before they'll bring you onto a job. We build these into your policy as standard.
Tell us about your team size, whether you use employees or subs, and the scale of projects you take on. Our licensed agents will structure a policy that matches how your business actually operates now.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
Once you add employees, regularly use subcontractors, or take on multi-day commercial projects, your exposure changes and your policy should reflect that — both for adequate protection and to meet client requirements.
In most states, yes — workers compensation is required once you have W-2 employees. Requirements vary by state, and we'll help you confirm what applies to you.
Subcontractor exposure needs to be accounted for in your coverage. Tell us how much of your work goes through subs and we'll structure the policy accordingly.
Often yes. Many commercial GCs and larger clients require $2M/$4M limits, plus additional insured and waiver of subrogation endorsements. We can quote these as standard.
Yes. As your revenue, payroll, and team size grow, we'll adjust your coverage at renewal — or sooner if your operations change significantly mid-year.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.