For most solo and small contractors, general liability insurance runs about $700 to $3,000 a year — roughly $60 to $250 a month. Add commercial auto, tools coverage, and workers' comp once you hire, and a fully covered small contracting business usually lands between $3,000 and $9,000 a year. The wide range comes down to your trade, your revenue, and how much of your work is commercial.
We are a marketing company, not a broker, so there is no policy to sell you here. We run our own home-service companies and carry this coverage, so this is the straight version of what you will pay, what is actually required, and how to keep it sane.
The baseline. Covers property damage and bodily injury you cause on a job. Almost every license, permit, and general contractor you sub for requires it. A typical $1M/$2M policy sits in this range, with roofers and framers near the top and handymen near the bottom.
Covers your truck and the tools and equipment inside it. A personal auto policy will not pay a claim that happens while you are working. Contractors carry a lot of expensive gear, so the tools rider is worth checking line by line.
Usually mandatory the day you put someone on payroll, priced per $100 of payroll and by trade class. Roofing and concrete classes cost far more than finish carpentry. Solo owners can sometimes opt out, depending on the state.
Bigger jobs and public projects often add a surety bond on top, priced as a small percentage of the contract value rather than a flat annual premium.
Never buy too little coverage to save a few dollars. A single property-damage or injury claim can cost more than a decade of premiums and end the business outright.
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Insurance is a fixed cost of running a licensed contracting business. The way you cover it is more booked work. We build the website and SEO that get contractors found, and putting your license, bond, and insurance on that site is one of the strongest trust signals for homeowners and the GCs you sub for.
Our Start Getting Leads plan is $249/month, Grow in Google adds the SEO content engine at $597/month, and you own everything. See contractor website design, SEO for contractors, contractor license requirements, and what local SEO costs.
In most states and cities, yes. Proof of general liability, and often a bond, is part of licensing and permitting. Minimum limits vary, so check your state board and local building department before you apply.
No. A bond protects your customer if you fail to finish or do not follow code; insurance protects you against claims. Many jurisdictions require both, so budget for them as separate costs.
Several carriers quote contractor general liability online in minutes. Get two or three before committing, because the spread for identical coverage is often wide enough to matter.
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