Contractor insurance quote

We treat certificate requests as urgent, because a general contractor will typically hold payment until a current certificate is on file. Send the certificate holder's exact name and address and any additional-insured wording, and we get the certificate of insurance to you or the GC. On a new policy, the COI can be issued once the policy is bound.

Pennsylvania generally makes workers' comp mandatory for employers with one or more employees, so a sole proprietor with no employees is usually outside the requirement. Hiring a helper who counts as an employee changes that, and a 1099 does not settle it on its own: in construction, the Construction Workplace Misclassification Act (Act 72 of 2010) treats a worker as an independent contractor only if they have a written contract, work free of your control, and run their own established business. Most general contractors also require subs to carry their own workers' comp.

A BOP bundles GL with commercial property and business interruption at a discount, but BOPs typically only fit low-hazard trades operating from a fixed shop. Higher-hazard trades and field-only operations are usually better served by a monoline GL plus inland marine for tools and equipment.