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Contractors Insurance

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Contractors insurance, otherwise known as contractors professional liability insurance (CPL), provides coverage to contractors and building professionals. It is non-standard and is purchased by contractors to cover errors made by contractors as well as by third parties hired by contractors. It is especially useful when projects have many professionals involved in different aspects of projects.

Contractors insurance does not provide reimbursement to third parties for poor work or construction defects. It may, however provide coverage for damages caused by faulty work or construction defects. Liabilities that are typically covered under a contractors insurance policy include:

  • Bodily injury
  • Property damage
  • Completed projects
  • Personal and advertising injury
  • Medical expenses

In most cases, contractors insurance policies are required by law or by businesses. If they are not required however, these policies are still fundamental parts of contracting work. One reason for this is that contractors insurance policies do not cover what commercial general liability (CGL) covers. In fact they cover everything that CGL policies do not cover. 

Contractors can purchase a standing contractors insurance policy that covers all work that a contractor performs but can also purchase a policy that covers specific projects within finite time frames.


Contractors that typically purchase contractors insurance include:

  • Construction workers
  • Carpenters
  • Plumbers
  • Cleaners
  • Electricians
  • Landscapers
  • Painters
  • Handymen
  • Snow plow workers

Contractors insurance can sometimes provide a business owners policy (BOP), general liability insurance, worker’s compensation insurance, and commercial vehicle insurance all in one place. This helps reduce the hassle of dealing with multiple companies and contacts.

A company’s success depends on the company owner’s ability to do a job well while balancing income, expenses, and any unfortunate events that impact a balance sheet. That’s why contractors insurance is so important. An agency that provides contractors insurance policies should have agents who can tailor industry-specific products, proactively maintain coverages, and assist with contractual risk transfer proficiency. They should also have multi-state capabilities and should provide a wide range of optional endorsements.