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Washington D.C. Contractors Insurance

Neither too big nor small, our Washington D.C. Contractors' Insurance Programs provide a wide range of protection for builders, subcontractors, and specialists of all trades and sizes -

Why do I need Contractors Insurance?

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

The construction industry is considered one of the most dangerous occupations in the country. Safety hazards, equipment mishaps, working at elevated heights, and harmful chemicals present the risk of injury or property damage to employees and third parties.

A formidable Washington D.C. contractors’ insurance package will safeguard your business from financial liability due to an unexpected incident.

Protect Against the Unpredictable

All contractors, subcontractors, and tradesmen are encouraged to visit their local jurisdiction to verify licensing prerequisites before commencing business operations.

With low rates that fit any budget, our insurance experts are on standby to assist Washington D.C. contractors with the necessary coverages that protect against workplace injury or business claims.

Our Recommended Products

General Liability

Washington D.C. contractors’ general liability is a foundational component of a well-structured insurance portfolio.

A Washington D.C. contractors’ liability policy provides essential coverage for:

  • Business Liability
  • Contractual Liability
  • Products-Completed Operations
  • Defense Costs

Washington D.C. contractors’ general liability insurance protects against third-party property damage, bodily injury, and personal and advertising injury claims.

Workers' Comp

Washington D.C. contractors’ workers’ compensation is a no-fault insurance program that benefits workers who get injured on the job.

A Washington D.C. contractors’ workers’ comp policy may provide benefits for:

  • Medical Treatment
  • Loss of Income
  • Disability
  • Vocational Rehabilitation Services
  • Fatality Benefits

Employers that fail to secure Washington D.C. contractor workers’ compensation coverage may be subject to penalties and fines.

Surety Bonds

Not to be confused with contractors’ insurance, a Washington D.C. contractor surety bond represents a guarantee to pay, similar to a line of credit that protects a contracted party if the bid obligations are incomplete.

Various government agencies may require a Washington D.C. contractors’ surety bond to bid and begin work on a project.

Commercial Auto

A Washington D.C. contractors’ commercial auto policy protects business vehicles involved in an accident, stolen, vandalized, or other covered peril.

Washington D.C. contractor business auto insurance covers your company vehicles when an insured driver is found liable for an at-fault accident.

A Washington D.C. contractors’ commercial auto policy provides essential coverage for:

  • CSL (Combined Single Limits)
  • Bodily Injury & Property Damage
  • Comprehensive & Collision Damage
  • Uninsured & Underinsured Motorists
  • Hired & Non-Owned Vehicles
  • Medical Payments
  • And Much More

Inland Marine

Washington D.C. contractors’ tool and equipment insurance — also known as Washington D.C. contractors’ inland marine coverage — will reimburse business owners if their insured assets are damaged or stolen from a job site or while in storage or transit.

Four main types of property covered under a Washington D.C. contractors’ inland marine policy are:

  • Property Transported (Cargo)
  • Contractor’s Equipment (Hand Tools)
  • Computer Equipment and Data
  • Buildings under Course of Construction (Builders’ Risk)

Washington D.C. contractor inland marine insurance protects against such common perils:

  • Wind
  • Hail
  • Fire
  • Water


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