Contractors Insurance

Contractors Insurance: Protection for Your Business

Being a contractor means balancing opportunity with risk. Every project brings the chance for growth, but it also comes with exposure—whether it’s property damage, workplace accidents, or liability issues. Having the right insurance program in place is essential to keeping your company secure, your employees safe, and your clients confident in your work.

At Advantage Insurance Network, we specialize in writing insurance for contractors of all sizes and trades. As an independent insurance agency, we work with multiple carriers and leverage modern technology to shop your coverage quickly and thoroughly. That means you get the right protection, at the best possible rate, backed by personal service and expertise.

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Contractors We Insure

We proudly insure a wide variety of contractors, including but not limited to:

• Builders & Remodelers

• Carpenters & Painters

• Electricians & Plumbers

• HVAC Contractors (Heating & Cooling)

• Flooring & Drywall Installers

• Roofers, Siding & Masonry Contractors

• Concrete & Paving Contractors

• General Contractors

• Handyman Services

• Lawncare & Landscaping Companies

• Tree Service Providers

• Janitorial & Cleaning Services

• Window Cleaning Contractors

• More specialized trades

No matter your specialty, we tailor insurance solutions to meet the unique risks of your industry.

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Why Buy Contractors Insurance from an Independent Agent

• More Options - Instead of being limited to one company’s products, we shop multiple carriers to find the right balance of price and coverage for your business.
• Customized Protection - We design policies around your risk profile, project types, and business size. Whether you’re a sole proprietor handyman or a multi-crew general contractor, your coverage is tailored to you.
• Personal Service - We’re not a call center. We’re your partner—answering your questions, giving proactive advice, and helping you navigate claims when you need us most.
• Technology-Driven Shopping - Our digital tools make it easy to compare quotes across carriers, identify discounts, and issue policies fast. You get the benefit of modern efficiency with the personal touch of a local agency.

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Essential Coverages for Contractors

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• General Liability Insurance

Protects you from third-party claims of bodily injury, property damage, or advertising injury caused by your work. Covers legal defense, settlements, and judgments.

• Property Insurance

Covers your office, warehouse, tools, equipment, and materials against risks like fire, theft, or vandalism.

• Commercial Auto Insurance

If you use trucks, vans, or other vehicles for work, this coverage protects your business vehicles against liability and physical damage.

• Workers’ Compensation Insurance

Mandatory in most states, this coverage pays for medical bills, lost wages, and rehabilitation if employees are injured on the job.

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Optional & Specialized Coverages

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• Inland Marine Insurance

  Ideal for mobile tools and equipment. Protects items that move from job site to job site against theft, loss, or damage.

• Builders Risk Insurance

  Protects construction projects in progress—including materials, fixtures, and equipment—against loss from fire, vandalism, theft, and more.

• Umbrella Liability Insurance

Adds an extra layer of liability protection above your general liability, auto, or employer’s liability limits.

• Surety & Contract Bonds

Includes bid bonds, performance bonds, license bonds, and permit bonds—helping you secure contracts and build client confidence.

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Other Coverages Contractors May Need

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• Pollution Liability Insurance – Covers claims related to environmental hazards (mold, fuel spills, chemical exposures).

• Employment Practices Liability (EPLI) – Protects against employee claims of discrimination, harassment, or wrongful termination.

• Cyber Liability Insurance – Contractors using digital systems, bidding platforms, or client data should consider coverage against cyberattacks and data breaches.

• Professional Liability (Errors & Omissions) – Especially important for design-build contractors or those providing consultation.

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Why This Matters

One lawsuit, theft, or job site accident can derail years of hard work. With the right insurance, you don’t just protect your tools—you safeguard your business reputation, your employees’ livelihoods, and your financial future. Clients often require proof of insurance before awarding contracts. Having the proper coverage can make your business more competitive.

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Serving Contractors Across Multiple States

From our office in Cincinnati, we provide contractor insurance across Ohio, Kentucky, Indiana, Tennessee, and Michigan. Our team understands each state’s requirements and helps contractors stay compliant while securing the best coverage.

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Get Covered Today

At Advantage Insurance Network, we know contractors because we specialize in insuring them. Whether you’re a roofer needing inland marine coverage, an electrician needing bonding, or a landscaper with multiple crews, we’ll shop multiple carriers, compare options with advanced technology, and build a plan that works for you.

📞 Call us today at 513-922-9460 to review your insurance needs.
📧 Request your free business insurance quote