Contractor Insurance to Protect Your Work and Your Business
Your worksite changes every day, and so do your risks. From job site injuries and property damage to equipment theft and contract requirements, you need insurance that keeps up with the way you actually work. Contractor insurance from Ingram Insurance Group is designed to help protect your business, your tools, and your reputation so you can keep projects on schedule and clients satisfied.
Based in Dayton, Ohio, and serving contractors in OH, KY, WV, TN, PA, MI, and FL, we understand the demands of working across different locations and with different trades. As an independent agency, we help you find coverage that fits the projects you take on, the crews you manage, and the equipment you depend on every day.
Coverage Built Around How Contractors Really Work
Contracting is hands-on, fast-paced, and full of moving parts. A single accident or claim can slow a project, strain a client relationship, or impact your bottom line. The right insurance program can help you meet contract requirements, respond to claims, and keep your business moving.
At Ingram Insurance Group, we focus on aligning coverage with the real risks you face on and off the job site. We help you identify what you need to protect your business entity, your people, and your tools so you are not left with costly gaps.
Common contractor-focused coverages can include:
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General liability insurance for third-party bodily injury or property damage claims
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Commercial property insurance for buildings, equipment, and materials at covered locations
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Business auto insurance for vehicles titled to your business
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Workers’ compensation coverage where required by law
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Inland marine or equipment coverage for tools and mobile equipment, subject to policy terms
We work with a wide range of contractors, including general contractors, remodeling contractors, specialty trades, and independent subcontractors. Whether you operate a growing crew or work as a solo owner-operator, we can help you evaluate options to support your work and your growth plans.
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Commercial General Liability Coverage
Risk Factor
As a contractor, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.
Solution
Commercial general liability insurance is an absolute necessity for every contractor. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.
Commercial Property Coverage
Risk Factor
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.
Solution
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Contractors' Equipment Coverage
Risk Factor
You’re constantly moving your tools from one job site to another, exposing your contractor business to potential loss due to damage or theft. And without your specialized tools and equipment, your job site may come to a screeching halt.
Solution
As a contractor, you need contractors' equipment insurance - a policy specially designed to protect your tools and equipment on the move. The policy will cover equipment for a variety of losses, including fire, explosion, vandalism, theft, collision with other equipment or objects and overturning. Unlike standard commercial property insurance policies, contractors' equipment insurance often covers losses caused by floods and earthquakes.
Builders Risk and Installation Insurance
Risk Factor
A building under construction is not covered under a standard building insurance policy or a home insurance policy since it is not a complete structure. As a contractor, you may be responsible for unique loss exposures related to buildings under construction such as the theft of building materials and high valued equipment such as generators and compressors.
Solution
Builders risk and installation insurance provides coverage for homes or buildings while undergoing construction, until they are completed. The policy covers the contractors’ interest in materials at the job site before they are installed, construction materials in transit designated for the contractors' equipment insurance–a policy specially and the value of the property being constructed until it is completed.
Workers’ Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Business Auto Insurance
Risk Factor
As a contractor, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your contractor business in financial jeopardy.
Solution
Business auto insurance provides coverage for vehicles owned or leased by a contractor and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.
Hold Harmless / Additional Insureds
Risk Factor
If you are performing as a contractor on a construction project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor or subcontractor causing damage to people or property of your mutual customer.
Solution
Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on their policy. This may provide you with coverage under their policy for injuries or damage they cause if you are named in a lawsuit.
Commercial Umbrella / Excess Insurance
Risk Factor
Losses and lawsuits are quite common in the construction business, and settlements can be substantial. If your business is found to be responsible for damage or injury on the job site, you could be facing a large liability loss that exceeds the basic limits of your standard policy.
Solution
You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.
What to Expect When You Work with us
Contractors are busy, and insurance cannot slow you down. Our goal is to make the process straightforward so you can focus on running your jobs. We start by asking about the type of work you do, your typical projects, where you operate, and any specific insurance requirements you face from general contractors, project owners, or lenders.
From there, we review coverage options and policy limits suited to your operations. We explain what is and is not covered in clear language so you can make informed decisions. As an independent agency, we can look at options from different carriers and help you compare them. Once you choose a plan, we assist with setting up coverage, certificates of insurance, and policy changes as your business evolves.
Over time, your needs may change as you add employees, vehicles, or new types of work. We are available to help you review your program and adjust coverage so it continues to reflect how and where you operate.
Why Contractors Choose Ingram Insurance Group
Contractors often tell us they want an insurance partner who understands real-world project risks, not just policy wording. Ingram Insurance Group is owned and operated by experienced real estate investors, so we are familiar with how construction, renovation, and property projects actually work in practice. That perspective helps us ask the right questions and anticipate the coverage issues that can show up on job sites and in contracts.
Because we are an independent agency, we are not tied to a single carrier. Our role is to help you find coverage options that align with your risk tolerance, your budget, and the requirements placed on your business. We aim to be a resource you can return to as your contracting business grows, takes on new project types, or enters new states within our service area.
Contractor Insurance FAQs
What is contractor insurance?
Contractor insurance is a group of business insurance policies that help protect contracting businesses and independent contractors from certain financial losses tied to their work. It commonly includes general liability coverage and can be combined with other coverages such as property, business auto, workers’ compensation, and equipment coverage, subject to carrier guidelines and policy terms.
Do I need contractor insurance if I am a small or one-person contractor?
Even small and one-person contractors can face claims related to property damage, bodily injury, or contract requirements. Many project owners and general contractors require proof of liability insurance before you can start work. A basic contractor insurance program can help you address those requirements and provide some protection if something goes wrong on a job.
What types of contractors can you help insure?
Ingram Insurance Group works with a range of contractors in the states we serve, including general contractors, remodeling and renovation contractors, and many specialty trades. The coverage available and carrier appetite can vary by trade, project type, and state. We can discuss your specific operations and explore what options are available.
What limits of liability should I carry as a contractor?
The limits you choose depend on the size and type of projects you handle, the contracts you sign, and your risk tolerance. Some project owners, lenders, or general contractors specify minimum limits in their contracts. We can review those requirements with you and discuss options so you can select limits that make sense for your business.
Can you help with certificates of insurance for my jobs?
Contractors are often asked to provide certificates of insurance to project owners, property managers, or general contractors. As your agency, we can assist with issuing certificates of insurance from your carrier based on your active policies and the information provided by you or requested by third parties, subject to carrier and policy conditions.
Protect Your Contracting Business With the Right Coverage Today
Get customized contractor insurance designed to match the real risks you face on every job. At Ingram Insurance Group, we make it simple to review your options and get a quote, so you can focus on your projects while we help protect your business.
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