Insurance For Contractors
Protect your business with insurance built for the way contractors work. Whether you're an independent tradesperson or managing multiple crews, Bay Road helps you compare coverage from trusted carriers so you can stay focused on the job.
Trusted By 12K+ Clients Across Florida
.avif)
Insurance Solutions For Contractors of All Sizes
Every contractor's business is different, and your insurance should reflect that. Whether you're just getting started or managing multiple employees and job sites, we'll help you build coverage around the work you do today and where your business is headed tomorrow. We work with contractors across a wide range of trades, including:
General Contractors
HVAC Contractors
Plumbing Contractors
Electrical Contractors
Roofing Contractors
Painting Contractors
Concrete Contractors
Flooring Contractors
Remodeling Contractors
Landscapers
Handymen
Coverage Built Around Your Business
Every contractor has different insurance needs depending on the work they perform. Our team can help you build a policy that fits your business and your contracts.
General Liability Insurance
Protection against third-party property damage, bodily injury claims, and legal expenses.
Workers' Compensation Insurance
Coverage for medical expenses and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Protection for work trucks, vans, trailers, and business vehicles.
Tools And Equipment Coverage
Help protect valuable tools and equipment from theft, damage, or covered losses.
Builder's Risk Insurance
Coverage for buildings and materials during construction.
Commercial Property Insurance
Protection for offices, warehouses, and business property.
Umbrella Insurance
Additional liability protection above the limits of your existing policies.
Surety Bonds
Bond solutions to help meet licensing and project requirements.
Why Shop With Us
Unmatched Choice
Real People, Local Expertise
Top-Rated Service
Contractor Insurance FAQs
What insurance does a contractor need?
Most contractors need a combination of general liability insurance, workers' compensation, and commercial auto insurance. Depending on your trade, you may also need builder's risk insurance, tools and equipment coverage, surety bonds, or umbrella insurance.
Is contractor insurance required?
Requirements vary based on your trade, state, licensing requirements, and client contracts. Many contractors are required to carry certain types of insurance before beginning work.
How much does contractor insurance cost?
The cost depends on factors such as your trade, payroll, annual revenue, number of employees, vehicles, claims history, and the types of coverage you choose.
Can I get a certificate of insurance quickly?
Yes. Our team can help issue certificates of insurance so you can meet project requirements and keep work moving.
Can I bundle multiple policies?
Absolutely. Many contractors combine general liability, commercial auto, workers' compensation, and umbrella coverage into a customized insurance package.
Local Insurance For Contractors
Bay Road works with contractors throughout the communities we serve.
Contractor Insurance Boca Raton
Contractor Insurance Deerfield Beach
Contractor Insurance Plantation
Contractor Insurance Port St. Lucie
Contractor Insurance Key Largo
Contractor Insurance Marathon
Contractor Insurance Big Pine Key
Ready To Protect Your Business?
Whether you're starting a new contracting business, reviewing your current coverage, or looking for a better insurance partner, Bay Road is here to help. Compare coverage from trusted carriers, work with local insurance experts, and get the protection your business needs to move forward with confidence.
