Contractors Insurance

Secure Your Work, Protect Your Future – Contractors Insurance You Can Trust!

Protect Your Business with Comprehensive Contractors Insurance

As a contractor, your work comes with risks—unexpected accidents, property damage, or even legal disputes. That’s why having the right contractors insurance is essential. At Jon Nelson Insurance and Bonding Services, we specialize in providing tailored insurance solutions designed to protect your business, employees, and financial stability.

What Is Contractors Insurance?

Contractors insurance is a type of business insurance designed to protect independent contractors and construction businesses from potential risks. It typically includes coverage for liability, property damage, employee injuries, and other unexpected events that can impact your work.

Why Do Contractors Need Insurance?

Without insurance, contractors can face significant financial losses if something goes wrong on the job. Here are some key reasons why having the right coverage is important:

Legal Requirements – Many states and clients require contractors to have insurance before they can start working.

Financial Protection – It covers expenses related to lawsuits, medical bills, or damages caused during a project.

Credibility and Trust –< Clients feel more confident hiring insured contractors, knowing they’re protected.

Accident Coverage – Whether it’s an injury on-site or damage to a customer’s property, insurance helps cover unexpected costs.

Types of Contractors Insurance

There are different types of insurance policies that contractors should consider based on their specific needs:

General Liability Insurance

Covers bodily injury, property damage, and legal fees if someone sues you due to work-related incidents

Workers’ Compensation Insurance

If you have employees, this coverage is often mandatory. It helps cover medical expenses and lost wages if a worker gets injured on the job.

Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this protects against claims of negligence or mistakes in your work.

Commercial Auto Insurance

If you use vehicles for work, this insurance covers accidents, damages, and liability costs.

Builder’s Risk Insurance

Equipment and Tool Insurance

Contractors insurance isn’t just an added expense—it’s a smart investment in your business’s security and success. It ensures you can work with confidence, knowing that if anything goes wrong, you’re covered. Whether you’re a small contractor or run a large firm, having the right insurance gives you peace of mind and keeps your business running smoothly.

Choose your primary coverage to get started

Ag Insurance

Auto Insurance

Commercial Insurance

Home Insurance