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Contractors Insurance

Contractors Insurance - Main Photo
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.

Carpenters
Carpet and Flooring Installation
Excavation
Electricians
Fence Installation
General Contractors
Handyman
Insulation
HVAC / AC
Janitorial and Cleaning Services
Landscapers
Lawn Sprinkler Installation
Locksmiths
Mason
Plasters
Plumbers
Painters
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.

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

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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Where Do I Find a Copy of My Insurance Policy?

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.

What Happens When You Upload Your Policy?

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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Why risk it? Secure your assets and peace of mind against life’s unexpected turns. Fill out the form below for a free, no-strings-attached quote. It’s time to play it safe – your safety net is just a click away!

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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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What Others Are Saying About Us!

Had a great experience with LoPriore. Brian was super helpful and easy to communicate with. I'd definitely recommend him to anyone trying to navigate the insurance marketplace!
Madeline Line
Madeline Line
1698691773
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
1698119096
John was extremely responsive and helpful in searching for insurance for our three family condo association. He went above and beyond answering the call on the weekend, looking through our current policy in detail, educating us on different options. I highly recommend John and his team.
Alisha Candela
Alisha Candela
1696361074
Richard was excellent - very helpful in helping us find the best possible BOP for our Condo with Quincy Insurance. Thank you!
Ira Lanik
Ira Lanik
1695934615
Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
1690206403
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
1689254503
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
1687787112
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
1685988192
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Bible4Shelley
Bible4Shelley
1685148846
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
1683825783
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
1682990146
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
1681827535
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
1680807226
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
1678895614
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
1670772058
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
1670612597
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
1669143561
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
1668718966
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
1663539289
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
1662487813
Always excellent service, advice and genuine customer care.
Mary Kelly
Mary Kelly
1661537083
Adam and the office staff is great anytime I call it gets done
Quick and considerate responses.
Emily Minty
Emily Minty
1656174402
Prompt and efficient service and results, Would highly recommend LoPriore Insurance Agency.
Helen Corrigan
Helen Corrigan
1656019779
Excellent rates and customer service.
Beverly Murphy
Beverly Murphy
1655980116
Always responsive, professional and helpful.
Devin Cole
Devin Cole
1654628713
I was given the most competitive quotes and the service is professional.
Xue Lin
Xue Lin
1653401533
It is a great comfort to have someone like John and his team at LoPriore Insurance looking out for me and my business. Exceptional service and product knowledge is the reason I have used them for my business bond policy for more than 15 years. The staff is professional and responsive. I highly recommend them for all insurance needs.
Licia Commito
Licia Commito
1653400226
Working with LoPriore has been incredible! Brian has been able to get great rates and is always incredibly quick to respond, prompt, and professional. If anyone asks me for a recommendation, I know where I'll be sending them!
Brian made getting a new car insurance quote so quick and easy! I would highly recommend Brian and LoPriore Insurance Agency to anyone looking for a new quote or a better price.
Emily Pedro
Emily Pedro
1651851616
LoPriore has been amazing to work with, they handled our insurance (Auto & Home) needs quickly, efficiently, and professionally. Working with Maria was seamless and stress-free. Not only did we save money, but we have a REAL person to connect with for any questions, concerns or general updates that arise. We are no longer just a number that is forgotten! Thank you!
Mona Hansley
Mona Hansley
1651787800
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
1556196383
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
1540557208
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
1540331621
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
1539883859
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
1538484673
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
1526074049
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno
1520269176
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