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Insurance for Construction and Contractors

Get competitive insurance quotes for your residential or commercial construction business

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Protect Your Construction or Contractor Business With Customized Insurance

Winooski Insurance knows it takes a lot to keep your construction company running, projects on time, and clients happy. That's why hundreds of businesses have relied on us to handle their commercial insurance needs since 1983. We help businesses like yours focus on the work at hand while our knowledgeable agents assist you with your insurance requirements.

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Insurance Quotes For Construction Companies and Contractors
From Many Reputable Carriers

What Types Of Insurance Should Your Construction Business Consider?

Business Owner's

Create a small business insurance bundle that could help you save money.
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General Liability Insurance

Protect your business against claims of third-party injuries, damages, and risks.
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Commercial Auto Insurance

Safeguard your business-owned and operated vehicles from accidents and lawsuits.
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Commercial Property Insurance

Protect your company's property and inventory from damage or destruction.
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Workers' Compensation Insurance

If you have employees your business needs coverage of on-the-job injuries.
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Inland Marine Insurance

Cover your business's property when it is in transit like tools, inventory, and products.

Frequently Asked Construction & Contractor Insurance Questions

How much does insurance for a construction or contractor business cost?

That is influenced by a number of important variables, like:

  • Types of construction projects
  • Whether work is being performed as a general contractor or sub-contractor
  • Commercial vs. residential projects
  • Number of employees
  • Types of vehicles operated
  • Employee driving records
  • Types of machinery operated
  • Required coverage (surety bonds)
  • Location of business and projects
  • Past claim history

Speak with one of our licensed insurance agents to get an accurate construction or contractor insurance quote >

What type of insurance does a construction company or contractor need?

No two construction companies or contractor businesses are the same, so coverages will vary. Many businesses should consider insurance policies for:

  • Business Owner's Policy (A combination of Commercial Property Insurance and General Liability Insurance)
  • Workers' Compensation Insurance
  • Commercial Auto Insurance
  • Professional Liability Insurance
  • Business Interruption Insurance
  • Tools & Equipment Insurance

To understand your business’s requirements, you should work with a knowledgeable insurance agent to identify which of these policies best fits your needs.

What types of construction trades need insurance?

Most skilled trades businesses require some form of commercial insurance. These industries include:

  • Carpenters
  • Homebuilders
  • Paving & asphalt contractors
  • General contractors & sub-contractors
  • Handymen
  • Painters & drywallers
  • HVAC
  • Excavators
  • Landscapers
  • Plumbers
  • Electricians
  • Welders
  • Roofers
  • Flooring installers
What is a surety bond? Does my construction business need one?

A surety bond is a financial contract between three parties: the obligee (the buyer), the principal (the client), and the surety (the financial backer). This bond guarantees that the surety will reimburse the principal if the obligee fails to complete agreed-upon work. Often, construction projects will require selected contractors to be bonded before starting work.

There are multiple types of surety bonds that, depending on your trade, may apply to operating your construction business.

  • Some projects will require a contractual agreement that your company purchases a contractor bond before starting work.
  • Depending on your state, some trades need a licensing or permit bond before taking on projects.

Learn more about surety bonds >

How can I get insurance coverage for my construction company or contractor business?

Since 1983 Winooski Insurance has been helping our clients find commercial insurance that works for them.

Reach out to one of our insurance agents through our request a quote form or visit our contact page for additional ways of getting in contact with us.

What Our Customers Are Saying

The entire team at Winooski Insurance have done an outstanding job of providing insurance coverage for my company. This is not always easy, as each project has to be reviewed by Winooski Insurance to verify that we have the required coverages.

David Bogue, President
Professional Construction Inc.

David Bogue, President

I have had my company insured with Winooski insurance for more than five years now. They are a valued partner in protecting my business property, employees, and vehicles. From the top dog, Jeff Mongeon, through their entire team, they are professional and responsive.

David Evarts, President
Flooring America

David Evarts, President

The team at Winooski Insurance provides our companies with value added services to ensure we are protected from all angles. They have helped us solve a number of complex problems and their service is always friendly and quick. Winooski Insurance is a valued and important part of our team.

Robert Murano, Jr., President
Mansfield Housing Group

Robert Murano, Jr., President