General Contractor Insurance

Smart Protection for the People Who Build It All

General contractors face unique risks on every job—from managing subcontractors to navigating project liability. Whether you’re building from the ground up or remodeling high-end homes, you need insurance coverage that’s flexible, compliant, and designed for the construction industry.
At Heffernan Insurance Brokers, we tailor general contractor insurance to your operations—so you can focus on building while we protect your bottom line.

What Is General Contractor Insurance?

General contractor insurance is a customized package of commercial insurance policies that protects construction professionals from jobsite, contractual, and operational risks.

Typical policies include:

• General liability – For third-party injuries or property damage
• Workers’ compensation – Required in most states if you have employees
• Builders risk – Covers materials, tools, and structures under construction
• Commercial auto – For business-owned trucks or vans
• Inland marine – Protects mobile tools and equipment
• Contractor’s bonds – Bid, performance, and payment guarantees

Without this coverage, a single incident could derail a project, cost you a client, or result in significant legal expenses.

Who Needs General Contractor Insurance?

• Operate as a licensed general contractor
• Manage multiple subcontractors on projects
• Perform or oversee structural work on residential or commercial builds
• Are required to carry insurance to win bids or permits
• Employ tradespeople, drivers, or project managers

What Does It Cover?

You should consider this coverage if you:
Here’s what a general contractor insurance package can include:

1. General Liability

Protects against third-party injury or property damage claims—like if a subcontractor damages adjacent property.

2. Builders Risk

Covers project materials and structures during construction, including theft or weather-related loss.

3. Workers’ Compensation

Pays for jobsite injuries to employees. Required by law in most states.

4. Commercial Auto

Insures company vehicles or work trucks used on the job.

5. Inland Marine

Covers tools, generators, or mobile equipment you transport between jobsites.

6. Surety Bonds

Required for many public projects. Shows clients and municipalities you’re financially backed.