A couple of minutes can save you up to 65% or more with
North Carolina’s leading contractors' insurance programs –
Contractors
Insurance
North Carolina
North Carolina
Contractors Insurance
Stop overpaying for coverage in the Tar Heel State!
A couple of minutes can save you up to 65% or more with North Carolina’s leading contractors’ insurance programs –
Coverage for North Carolina Contractors
As North Carolina's ultimate source for discount Contractors Insurance, our construction risk programs offer rock-solid coverage backed by excellent customer service, all bundled into one –
What is North Carolina Contractors’ Insurance?
North Carolina contractors’ insurance shields against financial risks at all stages of business operations.
Why Do I Need It?
All construction projects, regardless of type, carry some level of risk. Safety hazards, equipment failures, project delays, and theft are common operational risks that can influence a project’s outcome. Operating without adequate insurance is a preventable risk with potentially seismic consequences—an unexpected incident could devastate a small company’s finances overnight.
A comprehensive commercial insurance package not only protects your business from the everyday risks associated with construction operations but also provides you with the peace of mind to focus on your work.
Protect Against the Unpredictable
It’s crucial to visit your state licensing departments to verify licensing requirements before commencing any project. This step ensures compliance and can help you avoid potential issues down the line.
With fiercely competitive rates, our specialists are ready to help North Carolina contractors with an affordable insurance program that is tailored to your unique business needs, ensuring you get the coverage you need without paying for what you don’t.
Our Recommended Products
General Liability
General Liability
North Carolina contractors’ general liability is the foundational component of a robust business insurance portfolio.
A North Carolina contractors’ general liability policy protects builders and tradesmen from third-person bodily injury and property damage claims arising from business operations or products.
North Carolina contractor liability insurance, provides:
- Coverage for Business Liability
- Coverage for Liability Assumed Under a Contract
- Coverage for Products and Completed Operations
- Coverage for Legal Expenses
- Further Safeguards
Workers' Comp
Workers' Comp
North Carolina contractors’ workers’ comp is a benefits program for employees with work-related injuries or occupational illnesses due to a compensable claim covered by the law.
North Carolina contractors’ workers’ compensation provides:
- Medical Benefits
- Disability Benefits
- Death Benefits
Failing to carry North Carolina contractors’ workers’ compensation may result in heavy fines and severe penalties.
Please visit the North Carolina Industrial Commission to verify North Carolina contractors’ workers’ compensation laws and regulations for specific employer insurance requirements.
Surety Bonds
Surety Bonds
Contractors may be required to post a North Carolina contractors’ surety bond as a license or permit prerequisite by local municipalities, counties, or the state government.
North Carolina contractor bonds provide a financial guarantee to a consumer or licensing department that the principal will adhere to the terms of the license.
Most large construction projects and government organizations (public works) may require builders to post a North Carolina contractors’ surety bond to bid on a project.
Commercial Auto
Commercial Auto
North Carolina contractors’ commercial auto insurance covers business vehicles if a listed driver is liable for an at-fault accident or other damages caused by an accident, theft, or vandalism.
North Carolina contractors’ commercial auto insurance provides additional coverage for limits, endorsements, or situations not available on a standard personal auto policy.
A North Carolina contractors’ commercial auto policy provides:
- Coverage for Bodily Injury Liability
- Coverage for Property Damage Liability
- Coverage for Comprehensive Damage
- Coverage for Collision Damage
- Coverage for Medical Payments
- Combined Single Limits (CSL)
- And More
Inland Marine
Inland Marine
North Carolina contractors’ tools and equipment insurance provides broad property coverage for hand tools, equipment, and material located at a construction project, in transit, or stored at an off-site location.
A North Carolina contractor inland marine policy will reimburse businesses for such common incidents caused by:
- Theft
- Wind
- Hail
- Fire
- Water
“Installation” or “builders” risks, vandalism, damaged leased or rented equipment coverage can be provided via North Carolina contractors’ inland marine insurance.
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