---
title: Contractor Insurance | Berry Insurance - Massachusetts
description: Protect your contracting business in Massachusetts with tailored insurance coverage. Stay compliant, safeguard your tools, and ensure peace of mind on every job site.
image: https://www.berryinsurance.com/hubfs/Berry%20Builders%20Risk%20Insurance.png
---

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![hero maze pattern](https://www.berryinsurance.com/hs-fs/hubfs/hero%20maze%20pattern.png?width=1268&height=1346&name=hero%20maze%20pattern.png)

 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.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![Berry Builders Risk Insurance](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20Builders%20Risk%20Insurance.png?width=1000&height=700&name=Berry%20Builders%20Risk%20Insurance.png)

![Berry Builders Risk Insurance](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20Builders%20Risk%20Insurance.png?width=1000&height=700&name=Berry%20Builders%20Risk%20Insurance.png)

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## 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:

-  An employee, 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.

 

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![Commercial-Property-Insurance-Assets](https://www.berryinsurance.com/hs-fs/hubfs/Commercial-Property-Insurance-Assets.jpg?width=1382&height=922&name=Commercial-Property-Insurance-Assets.jpg)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

![white swoop bottom](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

## 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.

0%

 Increase in OSHA-recordable incident rates in construction in 2025

0%

 increase in builders risk claims tied to weather damage year-over-year

$0

 billion in U.S. catastrophe-related insurance losses in one year

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## 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:

 

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### General Liability Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Workers’ Compensation Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Commercial Auto Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Inland Marine/Equipment Coverage

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Commercial Property Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Professional Liability (Errors & Omissions) Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Builders Risk Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Umbrella Liability Insurance

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Employment Practices Liability Insurance (EPLI)

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

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Pollution Insurance

Covers claims of property damage, clean up costs, or bodily injury your business my cause by pollutants.

![white swoop bottom](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

## 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.

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## Simplifying contractor insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![How-Much-Does-Business-Insurance-Cost-3](https://www.berryinsurance.com/hs-fs/hubfs/How-Much-Does-Business-Insurance-Cost-3.jpg?width=1400&height=800&name=How-Much-Does-Business-Insurance-Cost-3.jpg)

### How Much Does Business Insurance Cost?

Determining the cost of business insurance is complex. Let’s look at the variables that affect it.

Learn More 

](https://www.berryinsurance.com/blog/business-insurance-cost?hsLang=en)

[![Berry_Insurance_Commercial_Property](https://www.berryinsurance.com/hs-fs/hubfs/Berry_Insurance_Commercial_Property.jpg?width=1400&height=800&name=Berry_Insurance_Commercial_Property.jpg)

### What is Commercial Property Insurance?

We’d like to think the worst case scenario can never happen. But when disasters strike and damage your business’ property, commercial property insurance is there to help.

Learn More 

](https://www.berryinsurance.com/blog/commercial-property-insurance?hsLang=en)

[![Why-Review-Commercial-Insurance-Annually-3](https://www.berryinsurance.com/hs-fs/hubfs/Why-Review-Commercial-Insurance-Annually-3.jpg?width=1400&height=800&name=Why-Review-Commercial-Insurance-Annually-3.jpg)

### Why You Should Review Your Commercial Insurance Annually

Annual commercial insurance reviews are essential to making sure your insurance is keeping up with your business.

Read Why 

](https://www.berryinsurance.com/blog/review-commercial-insurance-annually?hsLang=en)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

 We love our clients

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

![Rated 5 Stars on Google Reviews](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/google-reviews--image.png?width=501&height=64&name=google-reviews--image.png)

![Testimonial Quote Mark](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--quotes.png?width=77&height=50&name=green--quotes.png)

### Berry Insurance is by far the best insurance agency there is! With owning a small business it is extremely important to have them on my side with very fast response times on all of the questions I need answered ... no more dealing with big companies that make you feel like just a number. 

Travis P.

[Learn More About Business Policies ](https://www.berryinsurance.com/massachusetts-business-insurance?hsLang=en) 

** **

![hero maze pattern](https://www.berryinsurance.com/hs-fs/hubfs/hero%20maze%20pattern.png?width=1268&height=1346&name=hero%20maze%20pattern.png)

![hero maze pattern r](https://www.berryinsurance.com/hs-fs/hubfs/hero%20maze%20pattern%20r.png?width=1280&height=1346&name=hero%20maze%20pattern%20r.png)

 Get in touch

## 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.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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