Every construction business has different risks. We'll help you build a policy that covers what matters most, whether you're on the job site, in transit, or between projects.
Construction Insurance
Protect your construction business, your crew, and your equipment with customized coverage from an independent agency. We shop top carriers to get you the right protection at the right price.
General liability, workers' comp, and tools coverage
Coverage for roofers, electricians, plumbers, GCs & more
Subcontractors and independent contractors welcome
Fast quotes from multiple A-rated carriers
Insurance Built for the Construction Industry
Construction is one of the riskiest industries to insure, but that doesn't mean you should overpay for coverage or settle for a policy that doesn't fit your work.
At WeatherBee's, we specialize in construction and contractor insurance for businesses of all sizes. Whether you're a general contractor managing large projects, a specialty trade contractor like a roofer or electrician, or a handyman working solo, we'll build a policy around your specific risks—not sell you a one-size-fits-all package.
Builders Risk Insurance for Every Type of Project
We work with home builders, contractors, developers, and homeowners on residential and commercial construction projects. Here are some of the operations we specialize in:
General Contractors
Builders risk for GCs managing residential and light commercial construction projects.
Remodeling Contractors
Coverage for major renovation and remodeling projects, including additions and gut rehabs.
Electricians
Electrical contractor insurance for residential, commercial, and industrial electricians. Liability, workers' comp, and tools coverage.
Plumbers
Plumbing contractor insurance for new construction, repairs, remodels, and service calls. Coverage for liability and water damage claims.
HVAC Contractors
Heating, cooling, and ventilation contractors. Coverage for installation, service, and repair work.
Painters
Interior and exterior painting contractors. Liability coverage for property damage, falls, and overspray claims.
Landscapers
Landscaping and lawn care contractors. Coverage for property damage, equipment, and employee injuries.
Masonry & Concrete
Brick, stone, concrete, and foundation contractors. Coverage for structural work and heavy equipment.
Why Contractors Choose WeatherBee's
Knowledge
We understand contractor risks, job site liability, employee injuries, equipment theft, and what GCs require from subs.
Pricing
We shop carriers who specialize in construction to find competitive rates, even for high-risk trades.
Experience
Years of protecting contractors across the trades. We know what claims happen and what coverage matters.
Local Agency, Big Reach
A local team who can issue COIs fast, backed by access to top national construction carriers.
Real Businesses. Real Coverage. Real Results.
We've helped hundreds of business owners across the US find the right coverage, without the runaround. Here's what they have to say.
Getting covered shouldn't be complicated
We've simplified the process so you can get back to the job site.
Get Your Construction Insurance Quote
Tell us about your contracting business and we'll get back to you with coverage options, usually within 24 hours. Or call us at 704-993-9060 to speak with a contractor insurance specialist today.
Contractor Insurance Carriers We Work With
We partner with A-rated carriers who specialize in construction and contractor risks. That means competitive rates, flexible coverage, and underwriters who understand the trades, from general contractors to specialty subs.
Construction & Contractor Insurance FAQs
Q What insurance do contractors need?
A
At minimum, most contractors need general liability insurance and commercial auto insurance. If you have employees, you'll also need workers' compensation. Depending on your trade and the projects you work on, you may also need tools coverage, builder's risk, surety bonds, or umbrella insurance.
Q How much does contractor insurance cost?
A
Costs vary widely by trade. General liability for a low-risk contractor (like a painter) might cost $500–$1,500/year, while a roofer or electrician might pay $3,000–$7,000 or more. Workers' comp adds significantly to the cost, especially for high-risk trades.
Q Do subcontractors need their own insurance?
A
Yes. Most general contractors require subcontractors to carry their own general liability and workers' comp insurance before working on a project. You'll typically need to provide a certificate of insurance (COI) as proof.
Q What does general liability insurance cover for contractors?
A
General liability covers third-party bodily injury and property damage claims. For example, if a client trips over your equipment or you accidentally damage their property, GL covers the claim. It also covers completed operations, claims that arise after you've finished a job.
Q Is workers' comp required for contractors?
A
In most states, yes, if you have employees. Requirements vary by state and sometimes by the number of employees. Even if not legally required, many GCs require subs to carry workers' comp before they can work on a project.
Q Do you insure new contractors?
A
Yes. We work with contractors at all stages, including those just starting out. Some carriers specialize in new ventures and can provide competitive coverage even without years of experience.
