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Why You Need
Contractors
Insurance
Protect your contracting business from jobsite risks, client property damage, injuries, and equipment issues. Get fast, contractor-ready coverage tailored for general contractors, tradespeople, independent pros, and crews—with quick certificates for compliance needs.
If you own a business, you've probably been burned by insurance before, overcharged for coverage you don't need, or told "we can't cover that" when you need help most.
Better Rates
Complex Cases
Why choose Harper
Contractors face unique risks tied to tools, jobsite hazards, client property, subcontractors, and work quality. Harper Insure understands these exposures and guides you toward coverage aligned with the services you provide. You receive support tailored to real contractor scenarios, including property damage, injuries, equipment loss, and compliance for permits or jobsite access.
General contractors, property managers, and commercial clients often require proof of insurance before work begins. Harper Insure provides accurate certificates quickly. If you need additional insureds or updated documents, our team handles requests fast, keeping projects on schedule.
Contractor insurance can feel confusing. Harper Insure explains coverage clearly so you know what's included. We help you understand general liability, professional liability, tools and equipment, inland marine, and property coverage—and how each applies to your job types and work setups.
Contractors across trades face different risks. Harper Insure helps you match coverage to your services—carpentry, electrical, plumbing, painting, HVAC, remodeling, or general contracting. We guide you toward policies suited to daily tasks, jobsite conditions, and work obligations.
Contractors work in many spaces—client homes, commercial buildings, outdoor sites, or multi-unit projects. Harper Insure helps you secure coverage for each setup, ensuring your policy meets job requirements and follows you between sites.
Contracting involves job-related risks—property damage, tool loss, injuries, or work-related claims. Harper Insure helps you choose policies built to handle these exposures. Depending on your work, coverage may include liability, equipment protection, or jobsite add-ons.
Harper Insure compares carriers to help you find the right balance of pricing, coverage, and eligibility. You receive clear comparisons outlining strengths and limits so you can select confidently.
Harper Insure supports contractors of all sizes—solo tradespeople, small teams, remodelers, general contractors, and specialty pros. We provide insurance guidance designed to grow with your business and meet jobsite compliance needs.
What is
Contractors
Insurance?
Contractor insurance protects your business from jobsite risks, property damage, client injuries, and equipment loss. It often includes general liability and may include tools, equipment, or work-specific protections. Many clients or jobsite managers require proof of insurance before work begins.
FAQs
Find quick answers to the most common questions about our services.
Most contractors need general liability for injuries and property damage, plus tools and equipment coverage. Some may require inland marine, commercial auto, or professional liability depending on services.
Many clients and jobsite managers require proof of insurance before work begins. Cities may require coverage for permits. Insurance protects you from risks that could disrupt projects or finances.
Costs vary by trade, location, business size, and limits. Solo pros may pay $40–$90 monthly; larger teams often range from $1,200 to $3,500 yearly depending on work type.
Yes. Liability coverage can protect you if you accidentally damage a client's property while working, as long as the job is within policy guidelines.
Equipment coverage protects tools and gear from theft, loss, or damage on jobsites or in transit.
Yes. Most jobsites require being listed as an additional insured. Harper Insure provides fast certificates for compliance needs.
Get a
Contractors
Insurance Quote
Protect your contracting business with reliable coverage tailored to your trade, services, and jobsite requirements. Get matched with the right policy for your work and receive contractor-ready certificates without delays.
