Built for U.S. small businesses
Business insurance for general contractors.
Projects, subs, certificates, tools, and crews all matter. Kinro helps contractors understand coverage and compare options.
Built around real contractor jobs.
Prefer to talk?
We work with 50+ companies to find the best match for you!
Simple coverage help for contractors.
Start with the practical risks: services, locations, employees, property, vehicles, and any certificate needs.
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.
Ready to compare your insurance options?
Your answers stay focused on the coverage your business needs.
Coverage that usually comes up
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 compare your insurance options?
Your answers stay focused on the coverage your business needs.
contractors insurance pricing
How much does general contractor insurance cost?
Typical published market benchmarks provide a useful starting point before a carrier reviews your business.
- Project types, maximum contract size, and work performed in-house
- Payroll, subcontractor costs, certificates, and annual revenue
- Claims, vehicles, limits, location, and safety controls
General liability
$125–$160/mo
A common range for small general contractors.
Workers compensation
$290–$340/mo
Payroll, trades performed, and crew mix matter.
Commercial auto
$165–$200/mo
Vehicle type, drivers, radius, and records affect pricing.
Typical market benchmarks, not quotes or guaranteed prices. Your actual premium can be lower or higher after underwriting.
Contractors insurance FAQ
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.
Ready to compare your insurance options?
Your answers stay focused on the coverage your business needs.
Why our insurance agency is built different.
We make shopping for insurance simple, fast and transparent.
- Answers in minutes, not days of phone tag, before and after you buy.
- We dig into your real risks so you're never over- or under-insured.
- Independent advice: we compare our carriers to find the right coverage at the best price.
- Before every renewal, we shop the market again to find our clients the best available price.