For most solo and small general contractors, general liability insurance runs about $1,200 to $5,000 a year — roughly $80 to $200 a month. Add workers' comp, commercial auto, and tools coverage and a fully insured small GC often lands between $3,000 and $9,000 a year. Where you fall depends on your trade risk, payroll, revenue, and claims history.
We're a marketing company, not an insurance broker, so we have no policy to sell you. We run our own home-service companies and carry this coverage ourselves, so here's the straight breakdown of what you'll pay, what's required, and what's optional.
The baseline. Covers property damage and bodily injury you cause on a job. Almost every contract, license, and general client requires it. A typical $1M/$2M policy for a small GC sits in this range.
Usually mandatory once you have employees. Priced per $100 of payroll and by trade class. A few framers cost far more to cover than a couple of office staff. Solo owners can sometimes opt out, depending on the state.
Covers your work trucks and the equipment in them. A personal auto policy won't pay a work-related claim, so this isn't optional once a vehicle is part of the business.
The one thing not to do is buy too little coverage to save a few hundred dollars. A single uncovered injury or property-damage claim can cost more than a decade of premiums, and it can end the business.
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Insurance is a fixed cost of being a real contractor. The way you cover it is more booked work. We build the website and SEO that gets general contractors found and booked, and showing your license and insurance on that site is one of the strongest trust signals for winning a bid.
Our Start Getting Leads plan is $249/month, Grow in Google adds the SEO content engine at $597/month, and you own everything. See general contractor websites, SEO for contractors, SEO for home services, and what local SEO costs.
In most states, yes — proof of general liability, and often a bond, is part of licensing. Check your state board, since requirements and minimum limits vary.
No. A surety bond protects your customer if you don't finish or follow code; insurance protects you against claims. Many jobs require both, so budget for them separately.
Several carriers quote contractor general liability online in minutes. Get two or three before you commit — the spread between carriers for the same coverage can be wide.
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