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Contractors Insurance

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Protecting Contractors and Special Trades

For contractors and those in special trades, you know that unexpected problems can pop up. Whether it’s an accident at a job site or a disagreement with a client, things can get tricky. That’s where we come in. At LoPriore Insurance, we’re all about making sure you’re protected. We are a local Massachusetts Independent Insurance agency that knows the ins and outs of what you need. With us, you can feel safe, knowing we’ve got your back no matter what comes your way.

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Massachusetts Contractors Insurance
Lopriore Insurance Agency

Contractors General Liability Insurance - Service Page Image (003)

LoPriore Insurance Agency specializes in providing contractors with essential general liability insurance tailored to the unique needs of businesses in the construction industry. With our experience in the Massachusetts insurance landscape, our dedicated team of professionals offers comprehensive coverage that safeguards contractors from potential third-party claims, including bodily injury, property damage, and personal injury claims that can occur during construction projects. What sets LoPriore Insurance Agency apart is our commitment to making insurance accessible and comprehensible, ensuring contractors not only obtain the right coverage but also understand its importance. 

Understanding the Importance of
Contractors Insurance

The purpose of contractors general liability insurance is to protect construction and contracting businesses from financial losses arising from third-party claims of bodily injury, property damage, or personal injury that may occur during their operations, providing coverage for legal expenses, medical costs, and property repair or replacement.

What is It?

Contractors General Liability (CGL) insurance is a type of insurance policy designed to provide protection for businesses and contractors in the event they are held liable for bodily injury, property damage, or personal injury that occurs during the course of their work. This type of insurance is particularly important for businesses and contractors who work in construction, renovation, or other industries where there is a potential for accidents or damage to third-party property.

Why Do I Need It?

Contractor general liability insurance isn’t required by law. However, proof of liability insurance is often part of the contractor’s qualification process when bidding on a contract. Additionally, it’s a great way for any business to avoid significant financial loss in the event of a lawsuit. When it comes to contractor’s work, you never know when accidents or injuries may occur, so many such businesses choose to protect themselves this way.

Who Is It For?

Contractors General Liability insurance is necessary for a variety of individuals and businesses, including general contractors, subcontractors, specialty contractors, home builders, commercial builders, handyman services, property developers, real estate investors, architects, and engineers, as well as those working on government-funded projects. It provides crucial protection against potential liabilities, such as bodily injury, property damage, or personal injury, that can arise during construction or contracting work.

Types of Contractors We Insure

The backbone of any thriving community is its hard-working contractors, each specializing in a unique trade that shapes our surroundings. At LoPriore Insurance, we’re committed to protecting the diverse range of contractors that bring their expertise to Massachusetts.

Carpet and Flooring Installation
Fence Installation
General Contractors
Janitorial and Cleaning Services
Lawn Sprinkler Installation
Tile and Stone Installation

Whether you’re laying bricks, painting walls, or shaping landscapes, we understand the intricate details of each trade. LoPriore Insurance is here to ensure you can continue your work with the confidence that you’re well-covered, no matter your specialty. 

How Much Does Contractors Insurance Cost?

The cost of Contractors General Liability (CGL) insurance varies based on factors like the type of construction work, coverage limits, location, and business size. High-risk work and higher coverage limits generally result in higher premiums, while deductibles can also affect costs. Shopping around for quotes from different insurers and considering your specific business needs is essential to determine the precise cost, which can range from a few hundred to tens of thousands of dollars annually.

Contractors General Liability Insurance - Cost

Factors That Affect the Cost of a Contractors Insurance Policy

The cost of a contractors general liability insurance policy can be influenced by a variety of factors. Understanding these can help businesses anticipate their premium rates and possibly make adjustments to optimize their coverage costs.

Business Size
Larger businesses typically pay higher premiums due to the increased potential for claims and higher revenues.

Business Type
High-risk construction activities, such as roofing or demolition, tend to have higher insurance premiums than lower-risk activities like interior painting or electrical work.
Claims History
A history of insurance claims can result in higher premiums because insurers may view your business as riskier to insure.

Coverage Limits
The higher the coverage limits you choose, the more expensive the premium will be. A policy with higher limits provides more extensive protection but comes at a higher cost.
Business Size
Larger businesses typically pay higher premiums due to the increased potential for claims and higher revenues.

Business Type
High-risk construction activities, such as roofing or demolition, tend to have higher insurance premiums than lower-risk activities like interior painting or electrical work.
Claims History
A history of insurance claims can result in higher premiums because insurers may view your business as riskier to insure.

Coverage Limits
The higher the coverage limits you choose, the more expensive the premium will be. A policy with higher limits provides more extensive protection but comes at a higher cost.

It’s important to work with an experienced insurance agent or broker to understand the specific costs for your business. Also reviewing and adjusting coverage as the business evolves can help ensure you’re getting the best value.

What Contractors Insurance Covers

Contractors General Liability (CGL) insurance provides coverage for various liabilities that contractors and construction-related businesses may face. Here are the primary coverages typically included in a CGL policy:

Bodily Injury Coverage
Contractors General Liability insurance helps cover the costs associated with bodily injuries sustained by third parties (e.g., clients, visitors, or bystanders) on the job site or as a result of the contractor's work. This includes medical expenses, legal fees, and potential settlements or judgments if the contractor is found liable.
Property Damage Coverage
Contractors General Liability insurance also covers damage to third-party property that occurs during the course of the contractor's work. It helps pay for repairs or replacement of the damaged property, as well as legal expenses if the contractor is held responsible.
Personal and Advertising Injury Coverage
This part of the policy provides protection against claims related to personal and advertising injuries, such as defamation, libel, slander, false advertising, or copyright infringement.
Products and Completed Operations Coverage
Contractors General Liability policies typically include coverage for claims that arise after the contractor's work has been completed. If a problem arises due to the work performed or damages resulting from products the contractor has installed or sold, such as faulty materials or equipment, this coverage can help address related liabilities.
Legal Defense Costs
Contractors General Liability insurance covers the cost of legal defense, including attorney's fees, court costs, and settlements or judgments, up to the policy limits.
Medical Payments
It may cover medical expenses for injuries that occur on the job site, even if the contractor is not found liable.
Additional Coverages
Depending on the policy and endorsements, CGL insurance may offer additional coverages, such as fire damage liability, contractual liability, or liquor liability, to address specific risks.

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Protect Your Contracting Business Today! Get A Contractors General Liability Insurance Quote and Keep Your Business Safe!

Ready to safeguard your business with Contractors General Liability Insurance? It’s quick and easy! Just provide some basic details about your business and the coverage you need, and we’ll provide you with a free, no-obligation quote. Don’t wait – secure your peace of mind today!

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Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

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Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

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Contractors Insurance FAQs

Your policy doesn’t automatically provide coverage for poor workmanship. However, some insurance companies offer optional coverage for this at an additional cost.

A general liability policy typically covers you and your employees for the scope of your business operation. It doesn’t automatically cover additional independent contractors. Still, you may have the option to temporarily add independent contractors to your policy as additional insured. Alternatively, you can require your contractors to purchase their general liability through a contractor’s policy, listing you as the additional insured.

Whether or not you’ll need to pay a deductible when filing a claim for contractor’s general liability insurance depends on your specific policy terms, with deductibles being the amount you must pay out of pocket before the insurance coverage takes effect. The deductible amount varies based on your policy, and you should refer to your insurance documents or contact your provider for specific details.

The cost of your policy depends heavily on the amount of risk related to the type of work you’re doing. For instance, a roofing contractor might require a more expensive policy than a plumber because of the increased risk of falling.

A business owner’s policy (BOP) provides coverage for small businesses operating in a low-risk industry. It also combines your liability coverage with additional coverages like property insurance. High risk industries like construction usually aren’t eligible for a BOP, and if you don’t own commercial property, you’d likely be paying for more coverage than you need.

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