Contractor Insurance

Contractor Insurance is a robust package of policies designed to protect construction professionals from financial ruin caused by job site accidents, property damage lawsuits, and employee injuries. Whether you are a general contractor or a specialized tradesman, this coverage serves as your primary defense against third-party claims and is almost always required to secure permits and contracts.

The “Risk Reality”: Accidents & Assets

Construction sites are inherently unpredictable environments where a single mishap can delay a project and trigger costly litigation. According to the Occupational Safety and Health Administration (OSHA), the construction industry accounts for a significant percentage of workplace incidents, emphasizing the need for comprehensive protection. If a wall collapses or a passerby is injured by falling debris, your business assets are on the line without adequate liability limits.

Contractor Insurance Coverage

We structure policies to cover the specific hazards of your trade, from framing to finishing.

Contractor Insurance Cost

“How much does contractor insurance cost?” Premiums depend heavily on your trade classification (e.g., roofing is higher risk than painting), payroll, and location.

• General Liability Estimates: Recent industry market data indicates that many small contractors pay between $800 and $1,500 annually for standard liability coverage.
• Workers’ Comp: Rates are strictly regulated by state class codes and are calculated per $100 of payroll.
• Compliance: Your premiums may be influenced by the minimum limits required by your state licensing board or general contractor agreements.

The “Independent Difference”: Why Dream Assurance?

You need more than a policy; you need a partner who understands the difference between a sub-contractor and an employee. “Independent Means Multiple Choices.”

• Market Access: We check rates across top carriers and specialty markets to find the right fit for your trade.
• Certificate Speed: We know that if you don’t have a COI, you don’t get on the job site. We prioritize fast turnaround.
• Claims Advocacy: If a dispute arises, our team fights to ensure your claim is handled fairly so you can keep building.

 
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.

Dream Assurance

5.0

Based on 144 reviews

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Samuel Gonzalez

16:24 15 Dec 25

Michell is great 100%recomended

Marques Sanders

20:19 08 Dec 25

Very nice representatives and excellent service 👌

Red Lightning

04:58 22 Nov 25

Andre helped me get a great insurance for my new vehicle.

Kyle Bragg

18:22 19 Nov 25

Mr. Andre was a massive help beginning to end! He helped us get a great deal on our insurance, and explained everything thoroughly. It isn’t every day you get an insurance agent that you feel actually know what’s they’re talking about AND has your best interest in mind, but he definitely cares about his clients! Thanks Andre, and thanks Dream Assurance!

• Ready to protect your practice? Let our agents shop 30+ carriers for you. Get a Free Quote.
• Secure your firm’s future with our specialized business insurance solutions for contractors.