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Insurance for Massachusetts Contractors

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.

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Berry Builders Risk Insurance
Berry Builders Risk Insurance
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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.

 

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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.

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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:

 

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General Liability Insurance

Covers injuries, property damage, and common job site accidents. Often required before you can start work or sign contracts. 

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Workers’ Compensation Insurance

Covers medical costs and lost wages for job-related injuries. Required in most cases if you have employees. 

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Commercial Auto Insurance

Protects vehicles used for work, including accidents, injuries, and property damage while driving between jobs. 

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Inland Marine/Equipment Coverage

Covers tools and equipment that move from job site to job site, whether they’re stolen, lost, or damaged.

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Commercial Property Insurance

Protects your office, storage space, or shop, along with the equipment and materials inside.

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Professional Liability (Errors & Omissions) Insurance

Important for contractors who design, consult, or provide specialized services, covering claims related to mistakes or unsatisfactory work.

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Builders Risk Insurance

Covers buildings under construction, renovation, or installation projects while work is in progress.

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Umbrella Liability Insurance

Adds an extra layer of protection on top of your existing policies for large claims or lawsuits. 

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Employment Practices Liability Insurance (EPLI)

Protects your business if an employee sues for discrimination, wrongful termination, harassment, or other employment-related issues.

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Got contractor insurance questions? We’ve got answers.

Do I really need insurance as a contractor?

What insurance is required for contractors in Massachusetts?

How much does contractor insurance cost?

Do I need insurance if I’m a sole proprietor?

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We love our clients

Our clients are like family. See what they are saying…

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[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

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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.