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 158 reviews

powered by Google

review us on

Leslie Franke

17:49 13 Apr 26

Addison was great he was able to match me with the exact insurance policy that I needed at a cost I can afford!!!

Alex D

13:49 07 Apr 26

The insight was unmatched by any other insurance company. I’ll be using them for all my insurance needs.

G Clark

16:19 04 Apr 26

I’ve had a fantastic experience with Dream Assurance. From the very beginning, Kurtis made the process of choosing a plan straightforward and stress-free.

Robert Anderson

20:36 23 Mar 26

If you’re looking for real people that handles your needs fast then dream assurance is the way to go. Micheal Moran is probably the best insurance agent I’ve ever had. No matter the time or day, he finds a way to respond back. Not to mention we’re in two different time zones and he works like we’re in the same state. I wish I could give them more stars. Forgot to mention they’ll beat any insurance rates you find!!!

(function(p){if(!p)return;let w=p.offsetWidth,m=function(a,b){return Math.min(a,b)===a};p.querySelector(‘.grw-row’).classList.replace(‘grw-row-m’,’grw-row-‘+(m(w,510)?’xs’:m(w,750)?’x’:m(w,1100)?’s’:m(w,1450)?’m’:m(w,1800)?’l’:’xl’))})(document.currentScript?.parentElement)

• 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.