General Contractor Insurance — run the job, covered.
GCs are priced on a single question: how much do you self-perform vs. sub out — and how disciplined is your COI collection? We build GC programs that survive audits and satisfy owners' contract exhibits.
Coverage you probably need
General Liability
Site injuries, property damage, and the completed-operations tail on every delivered project. What is general liability? →
Workers Compensation
Your payroll — plus every uninsured sub the audit finds. COI discipline is premium control. What is workers compensation? →
Commercial Auto
Supers' trucks and anything hauling to site. What is commercial auto? →
Umbrella
Owner contracts routinely require $2M–$5M total limits. What is umbrella? →
Builders Risk
The structure itself while under construction — arranged per project or blanket. What is builders risk? →
What can go wrong
- An owner names you (and everyone) after a site injury.
- A sub's uninsured loss lands on your policy.
- A completed project shows water intrusion in year three.
- Contract indemnity flows more risk down than you priced.
- The audit reclassifies "office" payroll to field rates.
What carriers usually ask
- Self-performed vs. subcontracted percentages (with trades listed).
- COI collection practices and sample sub agreements.
- Project types, values, and heights.
- Supervisory payroll duties (executive class rules are strict).
- Five-year loss runs.
Common contract wording
Owner exhibits typically require $1M/$2M GL + umbrella to $2M–$5M, additional insured with completed operations, waiver of subrogation, primary & noncontributory — and builders risk allocation spelled out. We read the exhibit before we quote it.
State notes: GC licensing, comp obligations for uninsured subs, and anti-indemnity statutes vary by state; the program has to match where you build.
Get covered for General Contractor Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentGeneral Contractor Insurance FAQs
I sub everything — why carry GL at all?
Owners sue everyone, your indemnity obligations survive, and completed-operations exposure is yours for years. Paper-GC programs exist precisely for this profile.
What does sub COI discipline save me?
At audit, uninsured sub costs are charged like your payroll at trade rates — the most expensive paperwork you never collected. A simple pre-mobilization checklist pays for itself.
Can supervisors be classed cheaper?
Only when duties truly qualify (managing through subordinates, no tools). It's tightly policed — we'll classify it honestly so the audit can't.
Do you handle builders risk per project?
Yes — single-project or blanket reporting forms, matched to the contract's insurance exhibit.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.