Summit Commercial Insurance Solutions
Industries/

Contractors Insurance

From general contractors to specialty trades — coverage that keeps your projects moving. Liability, bonding, and equipment protection built for construction.

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The Challenges

Risks unique to contractors.

Jobsite Liability

Construction sites create significant bodily injury and property damage exposure.

Contract Requirements

GCs, owners, and lenders have specific insurance and bonding requirements.

Equipment Investment

Tools and equipment represent significant capital requiring protection.

Subcontractor Management

Managing subcontractor insurance compliance is complex but essential.

Coverage

Coverage types for contractors companies.

Every business is different. We'll work with you to build a coverage package that addresses your specific risks and meets your contractual requirements.

General Liability
Builders Risk
Equipment & Tools
Commercial Auto
Surety Bonds
Umbrella Coverage

Why Summit

Why contractors companies choose Summit.

1

Deep construction industry expertise

2

Fast certificates for project deadlines

3

Bonding relationships for all project sizes

4

Competitive rates for qualified contractors

Common Questions

Contractors insurance FAQs.

What insurance do I need to bid on projects?+
Most projects require general liability ($2M-$5M minimum), commercial auto, and workers compensation. Larger projects may require umbrella coverage and surety bonds.
Do I need my own builders risk or does the GC provide it?+
It depends on contract terms. GC-provided builders risk typically covers the structure, but you may need coverage for your materials and equipment. Review contract requirements carefully.
How do I manage subcontractor insurance compliance?+
Require certificates of insurance before subcontractors start work. Certificates should name you as additional insured and match contract requirements.
What is a surety bond and when do I need one?+
Surety bonds guarantee contract performance and protect project owners. Bid bonds, performance bonds, and payment bonds are commonly required for public and large private projects.

Built for growth. Backed by clarity.

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