Pricing numbers are based on representative partner data for 2025-2026 general liability policies. Based on policies from Jan 1, 2025 through Aug 11, 2026.
GENERAL LIABILITY
Construction & Contractors $58/month for general liability
WHY IT MATTERS
Why Construction & Contractors need business insurance
Construction work can involve injuries, property damage, vehicle accidents, stolen equipment and project disputes. The right mix of policies depends on your operations, workforce, contracts and equipment.
SCENARIO 1
Jobsite property damage
A worker accidentally damages a client's property during a project. If the claim is covered, general liability insurance may address repair costs and the resulting legal defense.
SCENARIO 2
Employee injury
An employee is injured while performing covered work. Workers' compensation insurance may address eligible medical expenses and lost wages, subject to the policy and applicable requirements.
SCENARIO 3
Tools stolen in transit
Covered tools are stolen while being transported between jobsites. Inland marine insurance may help replace them after the deductible and policy conditions are applied.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Type of construction work
Higher-risk trades or work involving greater heights, heavier equipment or structural changes may lead to a higher rate.
Payroll and workforce
A larger workforce or higher payroll can increase exposure to employee injuries and may raise the cost of workers' compensation insurance.
Revenue and project volume
More revenue and projects can mean greater exposure to claims, which may increase the rate.
Vehicles and driving activity
More business vehicles, frequent travel or heavier vehicle use may increase commercial auto insurance costs.
Claims history
Past claims can affect how a carrier evaluates future risk and may result in a higher rate.
Coverage choices
Broader coverage, higher limits or lower deductibles generally cost more, while narrower coverage or higher deductibles may reduce the rate.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national construction business, rates and requirements vary by state, carrier and the locations where work is performed.
Work locations
Operating across more locations or states can introduce different requirements and exposures for a carrier to evaluate.
Contract requirements
Project owners and general contractors may request particular coverage lines, limits or endorsements before work begins.
Jobsite conditions
The types of buildings, access conditions and surrounding property at your jobsites can affect the risk presented by your work.
20,678
Quotes analyzed
51
States represented
14
Coverage lines
BEST RATE
How to get the best rate
Describe your work precisely
List your trades, services, subcontracted work and typical projects so the application reflects what your business actually does.
Review contracts first
Gather client and general contractor insurance requirements before choosing coverage lines, limits and endorsements.
Document safety practices
Organize written training, vehicle, equipment and jobsite procedures that can help a carrier understand how you manage risk.
Update business details
Check payroll, revenue, vehicle, employee and equipment information before requesting a quote to avoid inaccurate assumptions.
FAQ
Common questions
What insurance should a construction or contracting business consider?
The appropriate policies depend on the work performed and the business's contracts, employees, vehicles, property and equipment. Common options include general liability insurance, workers' compensation insurance, commercial auto insurance, inland marine insurance, builder's risk insurance, property insurance, professional liability insurance, umbrella coverage and bonds.
Does general liability insurance cover faulty workmanship?
General liability insurance does not automatically pay to redo defective work. It may address covered bodily injury or damage to other property arising from the work, subject to exclusions and policy terms.
Are subcontractors covered by a contractor's policy?
Subcontractors are not automatically covered in every situation. Review the policy, subcontract agreements and certificates to determine how subcontracted work is treated and whether additional coverage is needed.
What information is needed for a construction insurance quote?
Be ready to provide details about your trades, services, revenue, payroll, employees, subcontractor costs, vehicles, equipment, project types, work locations, claims history and requested coverage. Contracts can also help identify required limits and endorsements.
Can one policy cover every construction risk?
One policy may not address every construction exposure. Contractors often need separate coverage lines for liability, employees, vehicles, tools, property, projects or bond obligations, depending on their operations.