Coverage That Works as Hard as You Do

Why Contractors Insurance Matters

Every project comes with risks, from property damage to on-site injuries. Without proper insurance, a single accident could lead to expensive lawsuits, medical bills, or lost income. Many clients and project managers also require proof of insurance before awarding contracts, making coverage an essential part of running a successful business.


Contractors insurance helps protect your business from liability claims, equipment loss, and damage to property caused by your work. It also provides peace of mind for you, your employees, and your clients, ensuring that accidents and mishaps don’t derail your business.

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Frequently Asked Questions About Contractors Insurance

  • What types of contractors need insurance?

     Any contractor, including general contractors, electricians, plumbers, HVAC technicians, landscapers, and carpenters, should have insurance to protect their business and meet industry requirements.

  • Does contractors insurance cover employee injuries?

     Workers’ compensation insurance is required to cover employee injuries. It is often included as part of a comprehensive contractors insurance package.

  • What happens if a client sues me for faulty work?

     Professional liability insurance (also called errors & omissions insurance) helps cover legal costs and settlements if a client claims your work caused financial losses.

  • Is contractors insurance required by law?

    In many states, contractors must carry liability and workers’ compensation insurance to operate legally. Some clients and project managers also require proof of coverage before awarding contracts.

  • Can contractors insurance cover stolen tools and equipment?

    Yes, tools and equipment insurance can be added to your policy to protect against theft, loss, or damage to your work gear.

  • What factors determine my contractors insurance premium?

     Premiums are based on factors such as the size of your business, the types of projects you take on, the number of employees you have, and your claims history.

What Contractors Insurance Can Cover

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General liability protection for property damage and injuries

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Workers’ compensation for employee injuries on the job

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Coverage for stolen, lost, or damaged tools and equipment

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Commercial auto insurance for work trucks and job site vehicles

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Errors and omissions coverage for claims of faulty workmanship

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Legal fees and settlements related to liability claims

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Get a Quote Today

Your contracting business deserves strong protection against the risks of the job. At Finn’s JM&J Insurance Agency, we’ll help you find a comprehensive contractors insurance policy that keeps you covered and compliant with industry requirements. Contact us today for a free quote and keep your business running with confidence.