Contractor reviewing plans at a work site

Commercial coverage

Contractors insurance

Contractors may need to consider projects, tools, vehicles, employees and contractual requirements. Begin with the nature of your work and the requirements your clients ask you to meet.

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Three details that shape the conversation.

Bring these essentials first. They help us direct the coverage discussion without making you work through a long checklist.

Type of trade

Independent contractors

Project requirements

Trade businesses

Tools, vehicles and employees

Construction-related firms

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Coverage briefing

Understand the questions before the quote.

Review the practical questions before moving to a quote or calling our office.

Built around the work performed

General and artisan contractors can bring together tools, vehicles, employees, subcontractors, customer property and contract obligations on a single jobsite.

Start with your trade, the projects you take on and the certificates or documents a client has requested. That gives the coverage conversation a practical basis.

Common areas to review

Coverage needs vary by trade and contract. The page should help contractors identify questions, not promise that any particular protection is included.

General liability and jobsite liability questions.
Commercial vehicles, tools, equipment and business property.
Workers compensation considerations for employees and payroll.
Bonds or certificates of insurance requested by a project owner or general contractor.

When a certificate is requested

If a client, property manager or general contractor has sent a certificate requirement, bring it to the conversation. Arceri can help identify the coverage terminology and next steps to review with the appropriate carrier or professional.

Next step

Ready to discuss contractors insurance?

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