Protecting Your Work, Your Crew, and Your Future
Request a QuoteRunning a contracting business isn’t just about tools and blueprints—it’s about trust, reputation, and keeping projects moving even when the unexpected happens. Whether you're framing houses, wiring buildings, or laying concrete, every job carries risks. That’s why contractors insurance isn’t just nice to have—it’s a must-have for serious professionals.
At Bakersfield Insurance Agency, we understand the real-world challenges you face on the job site. From injuries to equipment theft to property damage claims, we're here to make sure one mishap doesn’t bring your business to a standstill. Let’s walk through what contractor insurance includes and why it’s the foundation of a well-built business.
What Is Contractors Insurance?
Contractors insurance is a package of coverages designed to protect construction professionals from the financial risks of doing business. It typically includes general liability, tools and equipment coverage, workers’ compensation, commercial auto, and more—customized for how and where you work.
Who Needs It?
If you’re a general contractor, subcontractor, electrician, plumber, roofer, HVAC specialist, or handyman—this coverage is for you. Even if you're a solo operator, clients and job sites often require proof of insurance before you can get started.
Why It Matters
A single claim—like a job site injury, property damage, or lawsuit—can cost more than your company can handle. Contractors insurance helps you cover the cost and keep building your business with confidence.
Core Coverages for Contractors
Your tools get the job done. Your insurance keeps your business safe. Here’s what a typical contractors insurance policy can include:
| Coverage | What It Protects | Why It Matters |
|---|---|---|
| General Liability | Bodily injury or property damage to third parties | Covers accidents like a client tripping on your job site or damaging a customer’s home |
| Workers’ Compensation | Injuries to employees on the job | Protects your team and meets legal requirements |
| Commercial Auto | Vehicles used for business operations | Covers accidents involving trucks, vans, and trailers used for work |
| Tools & Equipment | Loss, theft, or damage to gear | Covers your most important work tools if they’re stolen or damaged |
| Builder’s Risk | Damage to buildings under construction | Protects your materials and work before a job is completed |
Real Risks, Real Solutions
Imagine this: You're remodeling a client’s kitchen and one of your subcontractors accidentally damages a water pipe. The client files a claim for property damage and lost use of their home. Without insurance, you’re paying out-of-pocket—and risking your reputation. But with the right coverage from Bakersfield Insurance Agency, you’re protected. We help you fix the issue, preserve the relationship, and keep your business moving forward.
How Much Does Contractors Insurance Cost?
The cost of coverage depends on several factors—like your trade, payroll, number of employees, claims history, and jobsite risks. Here's a general idea of what contractors might expect to pay each month:
| Contractor Type | Monthly Premium Estimate |
|---|---|
| Solo Contractor (General Liability Only) | $50 – $125 |
| Small Crew (3–5 workers) | $150 – $400 |
| Mid-Size Operation (6–15 employees) | $400 – $850 |
| Full-Service Contractor (All Coverages) | $900 and up |
We work with contractors of all sizes to find the right coverage at a price that works for your budget.
Meet Job Requirements
Many clients, cities, and general contractors require proof of insurance before you can step on a job site. With coverage in place, you’re always ready to say “yes” to the next opportunity.
Protect Your Reputation
Having insurance shows professionalism. It builds trust with clients and shows you take your work—and their project—seriously. It’s more than paperwork. It’s your reputation on the line.
We’ve Got Your Back
At Bakersfield Insurance Agency, we’re more than insurance advisors—we’re partners in your success. We make the process simple, guide you through your options, and help you get back to doing what you do best.
Let’s Build Your Coverage Together
Every contractor knows the importance of a solid foundation. And when it comes to your business, contractors insurance is that foundation. From everyday mishaps to once-in-a-career incidents, we've got you covered so you can build with confidence.
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