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North Carolina Contractors Insurance

With an expansive network of wholesale specialty markets right at our fingertips, our North Carolina Contractors Insurance programs offer affordable coverage with customer service you can count on -

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

Construction projects of all types have some level of risk. Safety hazards, equipment mishaps, project delays, and theft are unavoidable operational risks that affect a project’s overall outcome. However, operating with either insufficient or no insurance is a preventable risk not worth taking — as the consequences can be seismic — where an unexpected incident can wipe out a small company’s financials overnight.

A formidable commercial insurance package will protect your business against the common risks involved with day-to-day operations.

Protect Against the Unpredictable

Please visit your state licensing departments to verify licensing prerequisites before commencing operations.

With low rates that fit any budget, our specialists are on standby to assist North Carolina contractors with a cost-effective insurance program tailored to your business needs.

Our Recommended Products

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 contractors’ business liability insurance, also known as a North Carolina contractors’ general liability policy, provides:

  • Coverage for Business Liability
  • Coverage for Contractual Liability
  • Coverage for Products Liability
  • Coverage for Legal Expenses
  • And More

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

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

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

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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