Protect your business, your tools, and your reputation on every job site.
Don’t let an accident, lawsuit, or damaged project derail everything you’ve built. Contractor insurance helps you stay compliant, win jobs, and keep your business moving forward.
How contractor insurance works:
Contractor insurance is designed to cover the real risks you face on the job — many of which can happen unexpectedly and be extremely costly.
Instead of paying out of pocket for accidents, damages, or legal claims, your insurance helps cover those expenses so one incident doesn’t shut down your business.
Common risks contractors face include:
- A client or third party getting injured on a job site
- Damage to a client’s property during work
- Tools or equipment being stolen or damaged
- Errors or disputes over completed work
- Accidents involving work vehicles
With the right policies in place, you can take on jobs with confidence knowing you’re protected from the unexpected.
How common contractor claims could affect you:
Unfortunately, the “unexpected” happens more frequently than we’d like. Having the right insurance can help alleviate the incredible financial burden of a claim.
Types of insurance contractors may need:
No two contractors are exactly alike. The right coverage depends on your trade, the size of your business, and the kind of work you do.
Here are the most common coverages contractors rely on:
General Liability Insurance
Covers injuries, property damage, and common job site accidents. Often required before you can start work or sign contracts.
Workers’ Compensation Insurance
Covers medical costs and lost wages for job-related injuries. Required in most cases if you have employees.
Commercial Auto Insurance
Protects vehicles used for work, including accidents, injuries, and property damage while driving between jobs.
Inland Marine/Equipment Coverage
Covers tools and equipment that move from job site to job site, whether they’re stolen, lost, or damaged.
Commercial Property Insurance
Protects your office, storage space, or shop, along with the equipment and materials inside.
Professional Liability (Errors & Omissions) Insurance
Important for contractors who design, consult, or provide specialized services, covering claims related to mistakes or unsatisfactory work.
Builders Risk Insurance
Covers buildings under construction, renovation, or installation projects while work is in progress.
Umbrella Liability Insurance
Adds an extra layer of protection on top of your existing policies for large claims or lawsuits.
Employment Practices Liability Insurance (EPLI)
Protects your business if an employee sues for discrimination, wrongful termination, harassment, or other employment-related issues.
Got contractor insurance questions? We’ve got answers.
Do I really need insurance as a contractor?
Certainly. Many clients require proof of insurance before hiring you, and even a small mistake or accident can lead to significant financial loss.
What insurance is required for contractors in Massachusetts?
Requirements vary, but most contractors need:
- General liability insurance
- Workers’ compensation (if you have employees)
Some jobs may also require additional coverage depending on contracts or project size.
How much does contractor insurance cost?
Whike we'd like to give you a precise estimate, costs for contractor insurance depend on factors such as:
- Your trade
- Business size and payroll
- Coverage limits
- Claims history
The best way to determine cost is through a customized quote.
Do I need insurance if I’m a sole proprietor?
In most cases, yes. Even without employees, you can still be held liable for injuries, property damage, or mistakes and your personal assets could be at risk.
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Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
Our clients are like family. See what they are saying…
“[Berry Insurance’s] knowledge of property and casualty and workers’ compensation insurance gave me confidence that I have appropriate levels of coverage for [my business].”
Kurtis J., A Massachusetts School District
Keep your contracting business protected
Get coverage tailored to your business, your risks, and the way you work.
Fill out a quick form and one of our commercial insurance specialists will walk you through your options.