Contractor insurance by state

Insurance requirements for California general contractors come from employment law, CSLB licensing, LLC rules, and project contracts, each with different coverage and limit obligations.

California handyman businesses typically need general liability (Hiscox publishes a sole-proprietor benchmark starting around $50/month), plus workers compensation when employees are involved. This guide covers costs, certificate requirements, and the $1,000 licensing threshold.

Illinois general contractor insurance requirements vary by municipality and license class, with Chicago requiring four distinct liability limits across five license classes, from $1M to $5M per occurrence.

Maine's construction-worker presumption can treat a person performing construction work at a construction site for a hiring agent as the hiring agent's employee for workers compensation purposes, unless a qualifying-subcontractor or equipment exception applies. Learn which coverages Maine law requires, which contracts demand, and how to compare quotes for your operation.

What insurance a New Jersey general contractor needs for registration, contracts, and real projects. State requirements, coverage lines, endorsement checklists, and how to compare carriers that insure GC work in NJ.

New Jersey contractor insurance requirements depend on whether you do residential improvement, public, or specialty trade work. Learn the registration rules, the $500,000 liability floor, workers comp mandate, compliance bond tiers, and how to compare quotes from carriers licensed in New Jersey.

What insurance Pennsylvania contractors need, what the state requires through HICPA registration and workers compensation law, what contracts demand above those floors, and how to compare quotes matched to your trade and operations.

Texas has no statewide GC insurance mandate, but contracts, cities, and public projects create real requirements. Learn which coverage lines Texas general contractors need and how to compare quotes from carriers that insure GC work in the state.

Texas glass installation contractor insurance commonly includes general liability, workers compensation, commercial auto, tools coverage, and protection for glass in transit or installation. Contract, local, and public-project requirements can add endorsements or higher limits.

Hiscox publishes a $40/month starting point for handyman insurance, with Thimble reporting a $102.46/month Texas average on its platform. Your quote depends on your specific business details.