Contractor insurance quote
Contractor quotes depend on trade, payroll, revenue, certificate requirements, and prior losses. Start with the basics and we will shape the package.
- GL + workers' comp + tools
- HICPA-compliant policies
- Same-day COI issuance
We shop carriers including
Quick answers
Frequently asked questions
How fast can you issue a COI?
Same day on most active policies. Provide the certificate holder name, address, and any additional-insured language required, and we issue and email within hours. For new policies, we issue COI immediately on bind.
Do I need workers' compensation as a sole proprietor?
Pennsylvania law does not require comp for a sole prop with no employees, no subs, no 1099 labor. The moment you bring on a helper — W-2 or 1099 in many cases — you need it. Most general contractors require subs to carry their own.
What's the difference between BOP and monoline GL?
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.
Need a different line of coverage?
Switch to another quote wizard. Each is calibrated to its line of coverage so we ask only what we need.
Prefer to talk it through?
A real licensed Pennsylvania agent at (610) 800-4410. Open 7 days, 9 AM – 7 PM ET. No call-center hand-offs.