Contractor insurance basics: what to ask your agent
Insurance rules vary by state and trade. This guide helps you ask the right questions; it does not tell you what you need.
- General liability. Ask what it covers, the limits, and what jobs are excluded.
- Workers compensation. Ask how it applies to employees, helpers and subcontractors in your state.
- Commercial vehicle. Ask whether your work trucks are covered when used for business.
- Tools and equipment. Ask about theft from vehicles and job sites.
- Certificates of insurance. Ask how quickly your agent can issue certificates to customers.
Common questions
Do I need to be insured to get licensed?
Many states and trades require it. Check your licensing board.
Where can I get advice?
Talk to a licensed insurance agent and verify requirements with your state licensing board.
See also the contractor guides and free tools.
General information, not legal or financial advice. Verify with your attorney or accountant.
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