Contractors Insurance

Coverage Built for Jobsite Risks

Understanding Contractors Insurance Coverage

Contractors face a unique set of risks that differ significantly from other types of businesses. Working on job sites, using tools and equipment, and interacting with clients and the public all increase exposure to accidents, property damage, and liability claims. Contractors insurance is designed to help protect construction professionals, tradespeople, and service contractors from the financial impact of these risks. At DRD Insurance, we help contractors understand their insurance options and build coverage that reflects how their business actually operates. Contractors insurance may include general liability coverage, commercial auto insurance, tools and equipment coverage, workers compensation, and additional protections depending on the scope of work. Coverage needs vary widely based on trade, project size, and contractual requirements, making personalized planning essential. As an independent insurance agency, DRD Insurance compares contractors insurance policies from multiple carriers to help ensure coverage limits, exclusions, and endorsements align with jobsite realities. We take the time to explain how coverage applies during active projects, between jobs, and when equipment is transported or stored. Contractors insurance is not only about protecting against claims—it is also about meeting licensing, permitting, and contract requirements that are often necessary to secure work. With the right coverage in place, contractors can focus on completing projects confidently and professionally.

Protect Your Business, Crew, and Equipment

General Liability for Contractors

Contractors insurance includes general liability coverage to help protect against claims involving bodily injury or property damage caused during construction or service work.

Tools and Equipment Protection

Coverage may include protection for tools, machinery, and equipment against theft, damage, or loss, whether items are on the job site or in transit.

Contract Compliance and Certificates

Contractors insurance helps meet insurance requirements outlined in contracts and permits, providing proof of coverage through certificates of insurance when needed.

Meeting Contract and Licensing Requirements

At DRD Insurance, we understand that contractors need insurance that works as hard as they do. Our approach begins with learning about your trade, the types of projects you take on, and the risks you face on a daily basis. Because we are an independent agency, we are not limited to a single carrier’s contractors insurance program. This allows us to compare coverage options and tailor policies to fit specific trades, whether you are a general contractor or a specialized professional. We help contractors understand how general liability, auto coverage, and equipment insurance work together, ensuring there are no gaps that could jeopardize a project or business. Our team stays informed about industry standards, carrier underwriting requirements, and contractual insurance language so guidance remains practical and relevant. If a claim arises, we assist with navigating the process and understanding next steps, reducing downtime and frustration. As businesses grow, take on larger projects, or add employees, we proactively review coverage to ensure protection keeps pace. At DRD Insurance, contractors insurance is not treated as a generic package—it is a customized risk management solution designed to support long-term success in a demanding industry.