Pennsylvania Contractors Insurance
Modern-day construction risks come in all shapes and sizes, our Pennsylvania Contractors' Insurance programs protect against financial loss due to a third-party lawsuit or business claim –
Why do I need Contractors Insurance?
Contractors’ insurance protects against the financial risks present at all stages of business operations.
The construction industry is notorious for being an extremely risky business. Pennsylvania contractors rely on adequate insurance protection against common threats, such as safety, operational, legal, and environmental risks, that can significantly impact a construction project’s integrity and overall success. Delayed start dates, employee incidents, unexpected costs, and labor shortages hinder a healthy job site’s progress, leaving vulnerable companies open to third-party lawsuits and bodily injury or property damage claims.
A contractors’ insurance policy is a traditional form of protection that assumes the policyholder’s defined risk exposure for a premium and fees to mitigate the financial losses incurred by business claims.
Protect Against the Unpredictable
Pennsylvania builders and specialty tradesmen are encouraged to visit their local city, county, or state licensing jurisdiction to confirm all registration, licensing, and insurance prerequisites before beginning business operations.
With affordable rates that fit any budget, our licensed brokers are on standby to assist Pennsylvania contractors with an insurance quotation that best fits your business needs.
Our Recommended Products
General Liability
General Liability
A Pennsylvania contractors’ general liability policy is a fundamental component of a formidable insurance portfolio.
Pennsylvania contractors’ business liability insurance protects companies’ and business owners’ financial interests against loss caused by various incidents, such as third-party lawsuits, bodily injury, and property damage claims.
A Pennsylvania contractor general liability policy — also known as Pennsylvania contractors’ commercial liability insurance, provides:
- Coverage for Business Liability
- Coverage for Contractual Liability
- Coverage for Products & Completed Operations
- Coverage for Defense Costs
- Coverage for Much More
Workers' Comp
Workers' Comp
Pennsylvania contractors’ workers’ compensation is employer-financed, no-fault insurance that compensates employees who have been disabled due to a work-related injury or disease.
Pennsylvania contractors’ workers’ comp insurance provides:
- Medical Benefits
- Disability Benefits
- Death Benefits
Employers that violate Pennsylvania contractor workers’ compensation regulations may be subject to fines and penalties.
Please visit Pennsylvania’s Department of Labor & Industry website to verify employer laws and insurance prerequisites.
Surety Bonds
Surety Bonds
Unlike Pennsylvania contractors’ insurance, a Pennsylvania contractor bond is similar to a business line of credit that ensure consumers that the principal bondholder will adhere to the rules and regulations of their trade.
Pennsylvania contractors’ surety bonds are protection products that guarantee job owners that the principal will fulfill the contract obligations per the bid and subcontractors, or vendors paid upon completion.
Many residential and commercial job owners require a Pennsylvania contractor surety bond before bidding on a construction project.
Commercial Auto
Commercial Auto
Pennsylvania contractors’ commercial auto insurance protects company vehicles if a business owner or covered driver is liable for an at-fault accident.
Pennsylvania contractors’ business auto insurance provides crucial coverage for property damage and injuries when company vehicles are involved in an auto accident or damaged from theft or vandalism.
Pennsylvania contractors’ commercial auto insurance covers:
- Combined Single Limits (CSL)
- Bodily Injury
- Property Damage
- Comprehensive Damage
- Collision Damage
- Uninsured and Underinsured Motorist Coverage
- Hired and Non-Owned Vehicle Coverage
- Medical Payments
- And More
Inland Marine
Inland Marine
A Pennsylvania contractor inland marine policy — also known as Pennsylvania contractors’ tools and equipment insurance, financially protects hand tools, equipment, and material at a construction site, transported, or stored.
Pennsylvania contractors’ inland marine insurance provides “installation” and “builders risk” coverage.
A Pennsylvania contractor tool and equipment policy provides a broad range of essential coverage against everyday perils:
- Theft
- Fire
- Wind
- Hail
- Water Damage
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