Kinro

Built for U.S. small businesses

Business insurance for general contractors.

Find my coverage now

Takes about 2 minutes · No commitment required

Support from licensed agents No obligation to buy
Contractor working on a job site

We work with 50+ companies to find the best match for you!

Progressive
GEICO
AmTrust
Pie Insurance
Coterie
NEXT Insurance

What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

How much does general contractor insurance cost?

Tell us what your business does and get personalized information, including published monthly insurance benchmarks that vary by business, location, payroll, and coverage.

$125–$160/mo

General liability

$290–$340/mo

Workers compensation

$165–$200/mo

Commercial auto

What insurance can help protect

Client and jobsite claims

Property damage, bodily injury, or jobsite incidents can create contract and claim problems.

Subcontractor management

Subcontractor certificates and agreements can affect how carriers view the risk.

Project certificates

Owners, landlords, or GCs may ask for additional insured wording and specific limits.

Coverage to consider

General Liability

Often required for projects and third-party injury or property damage claims.

Workers Compensation

Important when employees are on payroll, and sometimes relevant to contract requirements.

Tools and Equipment

Can help protect equipment and tools that move between projects.

Commercial Auto

Useful for work trucks, vans, trailers, and vehicles used on jobs.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag — before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

contractors questions?We have answers.

What insurance do general contractors need?
Many start with general liability. Workers comp, commercial auto, tools coverage, and umbrella may also matter depending on employees, vehicles, and contracts.
Do subcontractors affect my insurance?
Yes. Carriers often ask about subcontractor costs, certificates, agreements, and what work is subcontracted.
Can Kinro help review contract insurance requirements?
Yes. Share the requirement and Kinro can help identify what it is asking for.
What can change the price?
  • Project types, maximum contract size, and work performed in-house
  • Payroll, subcontractor costs, certificates, and annual revenue
  • Claims, vehicles, limits, location, and safety controls

Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.