Compare contractors insurance from local independent agents.
21,693 independent agencies nationwide write contractors insurance. An independent agent compares contracting businesscoverage from multiple carriers to fit your coverage and budget, not just one company’s price. Tell us what you need once and we connect you with a licensed agent near you.
What contractors insurance can cover
- General liability
- Workers' compensation
- Commercial auto
- Tools & equipment (inland marine)
- Surety & license bonds
- Umbrella / excess liability
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Contractors insurance by state.
Pick your state to see local independent agencies and request quotes.
Frequently asked questions
Do I need workers' compensation if I'm a sole proprietor?
States have specific rules for sole proprietors and subcontractors. A licensed agent can review whether you need coverage or an exemption based on how your business is set up and where you operate.
Can an agency issue certificates of insurance quickly?
Most independent agencies issue certificates of insurance (COIs) for general contractors and project owners. Ask about turnaround time when an agency contacts you.
What affects a contractor's premium?
Trade, payroll, claims history, project size, and subcontractor use all factor in. Independent agents can shop several carriers to find a fit.
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.