Contractor insurance guides
Cost guides show what each trade pays and why. Requirements guides explain what contracts and states ask contractors to carry. To browse by trade, coverage type, or state, use the menus above, or see the checklists and worksheets under Tools.
What contractor insurance costs
Premium ranges and the factors that move them, by trade and coverage type.
Learn what carpenter insurance costs, which coverage lines you need, what raises or lowers your premium, and how to compare quotes from carriers that insure carpentry work.
Cleaning business insurance costs about $1,553 per year for a business owner's policy based on Hartford customer data, with total premiums shaped by service type, payroll, revenue, and location.
Contractor insurance costs vary widely by coverage line — from $14/month for tools to $318/month for workers comp. See median costs for GL, workers comp, auto, tools, and umbrella, then compare quotes from 400+ carriers.
A contractor surety bond is a three-party guarantee that protects project owners, licensing boards, and subcontractors. Premiums run 1%–10% of the bond amount depending on credit, financials, and bond type. Learn which bond you need and how to get one.
See what electrician insurance costs by coverage line — general liability, workers compensation, commercial auto, tools, and umbrella — with median benchmarks from real applicant data. Then compare quotes from carriers that insure electrical work.
Learn what general contractor insurance costs for a full program, which rating factors raise the premium, and how to compare quotes from carriers that insure general contractor work.
Handyman general liability insurance starts at $50–$80/month for a sole proprietor. Learn what changes the price, which coverage lines add to the bill, and how to compare quotes from carriers that insure handyman work.
HVAC contractor general liability starts at $75 per month in Texas (NEXT published minimum premium for eligible small businesses — not a quote for your account). Most contractors pay more once they add commercial auto, workers comp, tools coverage, and contract endorsements. Here's what each line costs and how to compare quotes.
Progressive reports a $55 to $79 monthly general liability benchmark for new small-business customers. See what affects your quote and how to compare carriers.
Landscaping insurance starts at $43/month for basic lawn care GL. Learn what each coverage line costs, what raises the price, and how to compare quotes from carriers that insure landscaping work.
Lawn care insurance starts around $30 a month from Hiscox for a small operator. See monthly benchmarks for general liability, commercial auto, workers compensation, tools, and umbrella, plus the business details that shape a combined quote.
Hiscox lists painter general liability from $40/month as a published starting point. See what each coverage line costs and how to compare quotes from carriers that insure painting work.
Plumber insurance starts at $75/month for general liability in Texas. Learn what each coverage line costs, what raises the price, and how to compare quotes from carriers that insure plumbing work.
NEXT publishes a $75/month minimum premium for pressure washing general liability in Texas (not a quote for every business). Learn how carriers price your account and compare quotes from carriers that insure pressure washing work.
NEXT Insurance lists roofing general liability starting at $83/month for qualifying Texas businesses (minimum premium, not a quote for your account). See how payroll, work type, and contract requirements affect premiums, and compare quotes from carriers that insure roofing work.
Tree service insurance costs $57 to $204 per month per coverage line based on TechInsurance applicant medians. Learn what each policy costs, why tree work is priced separately from landscaping, and how to compare quotes from carriers that insure tree service operations.
Welding insurance is not one product with one price. General liability, workers compensation, commercial auto, and tools coverage are each priced from different inputs. Learn how each line is rated and how your operation type affects the premium.
Requirements and how-to guides
What contracts and states require, how audits and certificates work, and what to check before you sign.
Construction insurance coverage types, how carriers price accounts based on work type, payroll, vehicles, and contract requirements, and how to compare quotes from carriers that insure your trade.
Contractor insurance requirements come from state law, license boards, contracts, and project owners. Learn which coverages, limits, and endorsements your jobs will ask for.
Workers compensation requirements depend on your state, industry, employee count, and contract terms. Learn who needs coverage, what happens without it, and how to get quotes.
A workers comp audit compares your estimated payroll to actual payroll during the policy term. Learn why the audit produced a surprise bill, how to dispute errors, and how to prevent it next year.