Why contractors choose EMC

We’re niche industry specialists who know your business and the unique challenges you face. That’s why we’re able to bring you customized coverages and targeted risk solutions. We work hand-in-hand with your local independent agent to deliver personalized service and specialized expertise. To us, your success is personal. That’s why agents recommend us and policyholders stay with us.

Contractors looking over plans in a framed house

Do I need contractors insurance?

If you’re a contractor, subcontractor or independent tradesman, you need to carry commercial insurance. Contractors insurance not only protects you and your business, but many employers require it before you can work with them. Common trades that need contractors insurance include:

  • Carpenters
  • Drywall contractors
  • Electricians
  • General contractors
  • Interior decorators
  • Lawn care
  • Masonry
  • Sheet metal workers
  • Excavators

Contractor operating heavy machinery

What insurance do I need as a contractor?

Contractors require several types of insurance to adequately protect their business. Some key coverages include:

General liability insurance for contractors
This protects your business from liability risks, including injuries, damage to a customer’s property, or faulty workmanship.
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Essential property coverage
This vital insurance coverage protects your buildings, tools and equipment against physical damage, including fire, theft, or natural disasters.
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Business auto coverage
This insurance protects company-owned and personal vehicles used to transport tools, equipment, and personnel to jobsites. It also protects vehicles against potential accidents, damages or liabilities that may arise during business-related activities.
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Contractors errors and omissions insurance
Mistakes happen, even to the most experienced contractors. This optional coverage provides financial protection in case of an error during your construction project.
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Umbrella coverage
This provides an extra layer of protection by offering additional security in the event of a catastrophic liability claim that would otherwise exceed your coverage limits.
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Contractual risk transfer
The transfer of what would otherwise be your own risk of loss to others can be done with indemnity and exculpatory agreements, waivers of recover rights, and insurance requirements.
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Workers’ compensation insurance
This insurance covers medical bills and compensation for workers injured on the job (available in most states).
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Safety and loss control resources
for contractors

We’re here to do more than provide policies and process claims—we’re here to protect you, your employees, and your business. Our safety experts can help you proactively reduce your risk exposure through loss control strategies and safety services that add value to your policy—without tacking on extra costs to your premiums.

Jobsite assessments
Our team evaluates your worksite for potential risks to your employees and operations, providing practical solutions to keep everyone safe and protect you from liabilities.
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Return to work*
We minimize the impact of injuries, reducing costs from lost productivity and medical expenses by helping your employees return to work quickly and safely.
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Driver safety solutions
Our suite of driver and fleet resources helps you avoid costly accidents by providing driver monitoring, training, and other essential tools to keep your drivers safe and your business moving forward.
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Loss Control Resources

Visit the Contractors Loss Control page to learn more and access our extensive collection of online safety resources.

If an accident happens, we’ll take care of you.

As an insurer, we get the chance to do the right thing every day. We’re proud to be known for responsive, empathetic, and fair claims handling, always ready to step up and be there for you when you need us.

Our claims service score demonstrates our dedication. 

4.6/5

Based on data through Jan. 2024

A contractor carrying materials in a job site

*These services are available only in territories where EMC provides workers’ compensation coverage.