Contractors Insurance

Specialty insurance solutions tailored to your unique needs.
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Don't leave your business exposed. XINSURANCE has your back with specialized contractor insurance solutions.

Our contractor insurance solutions are tailored to provide you with the coverage you need. We understand the unique risks you face as a contractor and offer comprehensive protection that fills the gaps. Trust XINSURANCE to provide the peace of mind you deserve.

What is Contractors Insurance and Why You Need It

Contractors insurance, also known as contractor liability insurance, is a specialized insurance product designed to protect contractors and their businesses from financial loss resulting from potential risks and liabilities associated with their work. This type of insurance provides coverage for property damage, bodily injury, and other liabilities that contractors may face in their line of work.

It is crucial for contractors to have insurance coverage from XINSURANCE. This is because it protects them against potential accidents and liabilities, ensures compliance with legal requirements, safeguards their assets and investments, and mitigates financial losses from lawsuits or claims. Furthermore, having insurance from XINSURANCE provides tailored solutions for unique contractor risks and builds trust and credibility with your clients.

In short, contractors with the right insurance coverage can have peace of mind knowing they are well-protected and can focus on their work without worrying about potential risks and liabilities.

Types of Contractors We Can Help

  • General Contractors
  • Specialty Contractors
  • Independent Contractors
  • Subcontractors
  • Design-Build Contractors
  • Remodeling Contractors
  • Civil Contractors
  • Landscaping Contractors
  • Mechanical Contractors
  • Electrical Contractors
  • Plumbing Contractors
  • And More!
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Contractors Liability Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Completed Operations

This coverage protects against injury and property damage claims that occur after the completion of the contract.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being stored, transported, or while rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Pollution Clean-Up

Covers the costs associated with pollution clean-up caused by your business.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Frequently Asked Questions About Contractors Insurance

What Does Contractors Insurance Cover?

The type of insurance coverage needed as a contractor will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverages you want on your insurance policy.

That said, contractors insurance typically covers a range of risks, including property damage, bodily injury claims, completed operations coverage, inland marine coverage, and more. The specific coverage will vary depending on your needs and type of work you do.

How Much Does Contractors Insurance Cost?

The cost of contractors insurance will depend on various factors, including the type of work performed,  your experience level, the location, the coverage limits, the claims history, and more. Contact XINSURANCE to get a more accurate estimate.

Is Contractors Liability Insurance Required By Law?

The requirement for contractors liability insurance may vary depending on the jurisdiction and the type of work being performed. Some states or local governments may require contractors to carry certain types of insurance, such as general liability, especially for projects involving public entities or government contracts. It is important for contractors to understand the legal requirements in their specific area of operation. XINSURANCE can help determine whether or not it is required for you to carry liability insurance.

Can Subcontractors Be Covered Under a General Contractor's Insurance?

In some cases, subcontractors may be covered under a general contractor’s insurance policy. However, this can vary depending on the specific terms and conditions of the policy. It is recommended for subcontractors to have their own contractors insurance to ensure they have adequate coverage for their work and protect themselves from potential liabilities.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Insurance for Roofing Contractors

Are you a roofing contractor? You can have true peace of mind while on the job with our customized liability insurance solutions. Get a quote today!

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service