Contractor Insurance

From workers’ compensation to contractor liability insurance, Westfield offers a variety of coverages and endorsements to help protect your business.

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Coverage at Westfield

What Is Contractor Insurance?

Contractor insurance is like a safety net for your business, helping to financially protect you from a range of risks. As a contractor, it’s important to protect your business with coverage that matches your risk exposure. That’s why Westfield doesn’t offer a one-size-fits-all solution for contractor insurance or construction insurance. Instead, our experienced agents work with you to customize a policy that aligns with your needs and budget.

How It Works

What Does Contractor Insurance Cover?

Contractor insurance from Westfield is tailored to you, with many policies including property, general liability, auto, inland marine, cyber, umbrella, and workers’ compensation coverage. Depending on your operations and size, you can add other industry-specific endorsements that help cover employee tools, contractors errors and omissions, contractual risk transfer requirements, and pollution.

5 Star Excellence Award
Westfield was a 2021 recipient of the 5-Star Excellence Award in the Construction Insurance category by the Insurance Business America Magazine.

Popular Coverages

What Insurance Does a Construction Company Need?

From paint brushes to forklifts and just about everything in between, Westfield can tailor a mix of policies and endorsements to give you the peace of mind you need. Explore the coverages* artisan and general contractors commonly select for added protection:

General Liability

Help your business recover from lawsuits and claims involving customer injuries, damaged property, or faulty work.

Commercial Property

Get coverage for your owned or leased storefront, storage buildings, construction sites, and on-site tools and equipment.

Business Interruption

Cover operating expenses and maintain cash flow if your business is disrupted due to a covered event.

Commercial Auto

Safeguard the vehicles you or your employees use to transport tools, haul materials, and perform other work tasks.

Equipment Breakdown

Shield your business from costly repairs and downtime when replace tools or machinery fail due to a mechanical or electrical issue.

Crime Insurance

Safeguard your business against theft of money and other securities, whether on- or off-site, under certain circumstances.

Workers’ Compensation

Help cover the medical care, rehabilitation costs, and lost income of employees who injured on the job.

Commercial Cyber

Help your business respond to and recover from various cyber-attacks, including personal information breaches.

Commercial Umbrella

Gain additional protection that goes beyond the limits of your standard business policy, covering larger risk exposures and liabilities.

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Contract and Construction Bonds

Surety Bonds for Contractors

Ensure your projects are protected with surety bonds that cover your commitments as outlined within the written contract.

LEARN ABOUT CONTRACT SURETY

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Sectors We Serve

Who Needs Contractor Insurance?

Whether you’re an artisan, trade, or general contractor, insurance is crucial to your business’s financial stability. Westfield supports a range of sectors, from small, specialized trades to large-scale general contractors, including:

Carpenters
Construction contractors
Electricians
General contractors
HVAC contractors
Landscapers
Painters
Plumbers

SureStep® BOP

Contractor Insurance for Small Business

Many small contractors and construction companies opt for a business owners policy (BOP) because they bundle multiple coverages into one convenient, affordable package. Westfield’s SureStep BOP combines property, business interruption, and general liability insurance. Plus, you can add a variety of other industry endorsements and coverages.

EXPLORE OUR BOP

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Pricing Factors

How Much Does Contractor Insurance Cost?

There is no set price for contractor insurance because the cost depends on a variety of factors, such as:

Your trade
Location
Number of employees
Payroll
Subcontracting costs
Experience level
Claims history

The best way to determine what your insurance premium will be is to get a quote from one of our agents.

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Why Westfield

What Should You Consider When Purchasing Insurance?

When it comes to protecting your business, look for coverage that not only matches your unique needs, but is also backed by a carrier with proven reliability and specialized industry knowledge.

Customizable Coverage

Westfield agents tailor your policy to match the specific needs of your business and budget.

Financial Strength

Westfield has been “A” Rated (Excellent) by AM Best for financial strength since 1934.

Industry Experience

Our team of underwriters, risk control consultants, and claims specialists have industry-specific expertise.

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Risk Control Services

How Can Contractors Prevent Losses?

With Westfield by your side, your policy is just the beginning. We understand the best way to manage a claim is to prevent it from ever occurring. That’s why we offer risk control resources and insights specific to your industry. We’re here to support you in creating the right safety solutions for your business.

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Contractor Insurance Quotes

Find an Agent Near You

Protect the business you’ve worked so hard to build with customized insurance from Westfield. Contact an agent for a personalized quote today.

CONTACT AN AGENT

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Contractor Insurance

Frequently Asked Questions

How do I get contractor insurance?

When selecting an insurance provider, make sure you’re choosing one with proven expertise in your sector and a history of financial stability. With over 175 years of experience, we know that every contractor is different. That’s why we customize your policy to fit your needs. Contact an agent to get started.

What is general liability insurance for contractors?

General liability insurance for contractors helps protect against lawsuits and other claims arising from injuries or damages involving customers, clients, vendors, or other individuals not employed by your business. It typically covers claims involving property damage, bodily injury, personal injury, or advertising injury.

Are contractors required to have insurance?

It depends. Whether you are required to have insurance often depends on your location, clients, and contracts. Even when not required, insurance is a good idea as it can help safeguard your business from a wide variety of risks.

Do I need workers’ compensation insurance if I’m an independent or self-employed contractor?

Self-employed and independent contractors are generally not required by law to have workers' compensation insurance. However, even in states where workers’ compensation coverage is not mandatory, some clients may require this coverage as part of a contract. Even when not required, workers’ compensation insurance for contractors should be a priority as it can help financially protect you and your employees if someone gets injured on the job.

Please consult legal counsel to determine the workers’ compensation requirements specific to your state.

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*Please review your actual policy language to see applicable coverages, limits, and exclusions.