INSURANCE &
BROKERS
FOR CONTRACTORS
The right insurance coverage is just as important as a strong safety program. We connect contractors with trusted brokers and help you understand the coverage your business needs.
Why Insurance Matters
for Contractors
Safety compliance and proper insurance coverage go hand in hand. Together, they protect your workers, your business, and your future.
OSHA Compliance & Insurance Work Together
A strong safety record directly lowers your insurance premiums. Companies with documented safety programs and fewer incidents qualify for better rates.
Protect Your Business Assets
One serious workplace incident without proper coverage can bankrupt a company. The right insurance ensures your business survives unexpected events.
Contract Requirements
Most general contractors and project owners require proof of specific insurance types and minimum coverage limits before awarding contracts.
Protect Your Employees
Workers' compensation ensures your team is taken care of if they're injured on the job, building trust and loyalty within your workforce.
Better Safety = Lower Premiums
Companies that work with STKY Safety Consulting to build strong safety programs, reduce incident rates, and maintain OSHA compliance often qualify for significantly lower insurance premiums. We help you build the documentation and safety culture that insurers reward.
Types of Insurance
Every Contractor Needs
Understanding your coverage options is the first step to protecting your business. Here are the key policies contractors should carry.
General Liability Insurance
Protects your business from third-party claims of bodily injury, property damage, and personal injury arising from your operations.
- Bodily injury coverage
- Property damage protection
- Personal & advertising injury
- Products & completed operations
Workers' Compensation
Covers medical expenses and lost wages for employees injured on the job. Required by law in most states for any company with employees.
- Medical expense coverage
- Lost wage replacement
- Disability benefits
- Employer liability protection
Commercial Auto Insurance
Covers vehicles used for business purposes including company trucks, vans, and equipment transport vehicles.
- Collision & comprehensive
- Liability coverage
- Uninsured motorist
- Hired & non-owned auto
Contractor's Equipment Insurance
Protects your tools, machinery, and equipment from theft, damage, and loss — whether on the jobsite or in transit.
- On-site equipment coverage
- Transit protection
- Theft & vandalism
- Rented equipment coverage
Professional Liability (E&O)
Protects your business against claims of negligence, errors, or omissions in the professional services you provide.
- Errors & omissions coverage
- Negligence claims defense
- Legal defense costs
- Settlement coverage
Commercial Umbrella Insurance
Provides an extra layer of liability protection above and beyond your existing policies when claims exceed standard limits.
- Excess liability coverage
- Catastrophic event protection
- Covers multiple policies
- High-limit protection
Insurance Brokers
Specializing in Contractors
We've compiled a network of insurance brokers who specialize in contractor and construction coverage. These brokers understand your industry's unique risks.
Apex Construction Insurance Group
Specialists in contractor insurance with deep expertise in construction liability, workers' comp, and surety bonds for companies of all sizes.
SafeGuard Business Insurance
Focused on helping small and growing contractors find affordable, comprehensive coverage tailored to their specific trade and risk profile.
Industrial Risk Partners
Experts in high-risk industrial insurance including manufacturing, heavy equipment operations, and multi-site commercial facilities.
Roofing & Trade Insurance Co.
The go-to broker for roofing contractors, providing specialized coverage for high-risk roofing operations, fall protection liability, and subcontractor management.
National Contractor Brokers
Serving large contractors and multi-state operations with complex insurance programs, wrap-up policies, and owner-controlled insurance programs (OCIP).
GreenField Insurance Solutions
Specialized coverage for landscaping, property maintenance, and outdoor service companies including pesticide liability and vehicle fleet programs.
Don't see the right fit? We can connect you with additional brokers in our network.
What to Look for in a Contractor Insurance Broker
Not all insurance brokers understand the construction industry. Here's what separates a great contractor broker from a generic one.
Industry Specialization
Look for brokers who focus specifically on construction, roofing, or your trade — they understand your risks better.
Access to Multiple Carriers
A good broker shops multiple insurance companies to find you the best coverage at the most competitive rate.
Certificate of Insurance (COI) Support
Fast, accurate COI issuance is critical for winning contracts. Your broker should handle this quickly.
Claims Advocacy
When a claim happens, you need a broker who fights for you — not just the insurance company.
Risk Management Guidance
The best brokers partner with safety consultants like STKY to help you reduce risk and lower premiums over time.
Understanding Your Experience Modification Rate (EMR)
Your EMR is one of the most important numbers in your business. It directly impacts your workers' comp premiums and your ability to win contracts.
Your company has fewer incidents than the industry average. You qualify for premium discounts and are more competitive for large contracts.
Your incident rate matches the industry average. There is room to improve your safety program and reduce your EMR to save on premiums.
Your company has more incidents than average. Higher premiums apply and some contracts may be unavailable. A strong safety program can bring this down.
STKY Safety Consulting Helps Lower Your EMR
Through jobsite safety inspections, training programs, incident prevention, and proper documentation, we help contractors reduce their incident rates — and their EMR — over time.
Request an Insurance Quote
Fill out the form below and we'll connect you with the right broker for your trade, size, and coverage needs.
What Happens Next?
We review your coverage needs within 24 hours
We match you with the right broker for your trade
The broker contacts you to discuss your options
You receive competitive quotes from multiple carriers
Your business information is never shared without your permission.