Built for U.S. small businesses
Business insurance for general contractors.
Compare coverage for projects, subcontractors, crews, tools, and certificates.
Find coverage in about 2 minutes
Prefer to talk?
Access to 50+ insurance companies, with help comparing the options that fit your business.
What you’ll get
Coverage picked for your business
Options from available carriers
Agent follow-up within 2 minutes
Typical monthly costs
How much does general contractor insurance cost?
General liability
$125–$160/mo
Workers compensation
$290–$340/mo
Commercial auto
$165–$200/mo
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.
Real-world risks
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.
Common starting points
Coverage that may fit general contractors and remodelers
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?
Start with your ZIP · response within 2 minutes
How it works
- 01
Enter your ZIP
We use it to check state rules and carrier availability.
- 02
Hear from Kinro
A licensed agent texts or emails you within 2 minutes.
- 03
Review your options
Compare relevant coverage, carrier options, and price.
No obligation. Final coverage and pricing depend on 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 see your options?
Start with your ZIP · response within 2 minutes
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.