Owner-operators and small crews
You do not need a policy built for a national contractor. You need one that satisfies the contract and does not overcharge you for payroll you do not have.
Get a small-shop quoteEntry-level policies for owner-operators and two or three person crews.
We structure the policy so hiring your first subcontractor does not mean a new application.
Optional inland marine coverage for the tools that disappear from job sites.
We walk through how the premium is calculated before you sign anything.
Getting these right up front is what keeps a small policy from becoming an expensive one.
If you work for anyone who asks for a certificate, yes. Most general contractors will not let you start without one.
Their payroll can be charged to your policy at audit, and their mistakes can become your claim. Ask for their certificate.
Many carriers offer installments. We will show you the financing cost rather than hiding it in the premium.
Report the payroll change. On a pay-as-you-go policy it adjusts monthly without a new application.
Inland marine for tools and equipment
Commercial auto for work vehicles and trailers
Workers compensation once you have employees
A business owner's policy if you own or lease a shop
Two minutes of detail is enough for a real quote.
