Insurance for General Contractors
General contractors carry risk on every job site — subcontractors, tools, changing crews, and clients who want a certificate of insurance before you ever pick up a hammer. We build coverage around how you actually run jobs, not a generic policy that leaves gaps at the worst time.
Coverage We Build Around Your Business
Real Risk, Real Coverage
A client or GC requires a certificate of insurance before you start work — and won't wait.
We issue most certificates of insurance same day, so a coverage gap never costs you a job.
A sub-contractor's mistake damages a client's property and you get named in the claim.
General liability with proper additional-insured endorsements protects you when someone else's error becomes your problem.
Tools are stolen from a job site or a locked trailer overnight.
Inland marine coverage protects tools and equipment wherever they are — not just parked at your shop.
Questions We Hear Often
In Georgia, if you have three or more employees (including part-time), workers' comp is generally required. Even with subs only, many general contractors' clients require proof of coverage or an owner's coverage before allowing work to start — ask us how this applies to your setup.
General liability covers injury or property damage claims from third parties. Builder's risk covers the structure itself — materials, fixtures, and work in progress — while it's being built or renovated.
Yes — most COI requests are turned around same business day. Existing clients can request one directly from our Certificate of Insurance request page.
Your general liability typically covers your own work, not your subcontractor's negligence unless you require them to carry their own coverage and list you as additional insured — we can help you set up that requirement in your sub agreements.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Request a Commercial Quote