General Contractor

Save up to 30% on your business insurance

Reinforce your business with reliable General Contractor Insurance!

With the right business insurance package, you can be confident that your general contracting business is covered no matter the project. Coverage Cowboy can help you build the perfect policy to protect your business from liability, property damage and more.

Whether you’re completing a small home remodel or a major construction project, Coverage Cowboy has the coverage to keep your business safe.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for General Contractor businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance provides essential financial protection for general contractors. It covers legal costs if they are held responsible for causing bodily injury or property damage to a third party, as well as protecting against financial loss if a customer sues them for negligence. This type of insurance is essential for any contractor who works on-site with clients, including construction and remodeling projects.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance helps protect general contractors against financial losses due to automobile accidents involving their vehicles. It covers medical expenses, legal fees, and repair costs for vehicles damaged in the accident. It also provides protection for third-party claims, such as bodily injury liability and property damage liability. This coverage is especially important for general contractors who use their vehicles for business purposes.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is a must-have for general contractors. It covers medical costs, lost wages, and other expenses for employees injured on the job. It also provides legal protection in the event that an employee files a lawsuit against the contractor due to an injury or illness sustained while working.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

General contractors need commercial property insurance to protect their business from financial losses due to unexpected events. It covers damage to tools, equipment, and materials if they’re stolen or damaged due to fire, vandalism, or other disasters. It can also provide coverage for lost income if a construction project is put on hold due to an insured event.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about General Contractor business insurance

How does business insurance protect me?
Business insurance can protect general contractors from a variety of potential risks, such as property damage, liability claims, and business interruption. Here are a few examples of how different types of business insurance can provide protection for a general contractor:
Liability insurance: This type of insurance can protect a general contractor from lawsuits stemming from injuries or accidents that occur on the job site. For example, if a subcontractor is injured on the job, the general contractor could be held liable for the damages. Liability insurance can help cover the cost of legal fees and any settlements or judgments awarded to the injured party.
Property insurance: This type of insurance can protect a general contractor from damage to its building, equipment, and inventory. For example, if a storm damages the job site, property insurance can help cover the cost of repairs or replacement. Similarly, if the contractor’s tools and equipment are stolen, the policy may cover the cost of replacing them.
Business interruption insurance: This type of insurance can provide coverage if the contractor is forced to close temporarily due to a covered loss. For example, if a storm damages the job site and the contractor is unable to work, business interruption insurance can help cover lost income and expenses, such as payroll, during the closure period.
Workers Compensation: This type of insurance provides protection and medical coverage for employees that get injured or falls ill in connection to the work they are performing.
What do I need to get an insurance quote?
Getting a quote from Coverage Cowboy is a breeze! All you need to do is gather a bit of information about yourself and your insurance needs, and we’ll take care of the rest.

Here’s what you’ll need to provide to get a quote:
  • The type of services or products you offer
  • The location of your office or place of operations
  • The size of your workforce and their pay
  • The number and types of vehicles used for business purposes

These questions will help us tailor a quote that fits your specific business needs and ensure that you have the appropriate coverage in place to protect your company. With this information, our experts will be able to provide you with a quote that fits your business perfectly, providing you with the peace of mind you need to focus on what’s important – your business.
Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.