Contractors Insurance

Protect Your Contracting Business from Job Site Risks

Comprehensive Insurance for General Contractors, Subcontractors & Tradesmen

As a contractor, your work comes with risks, from worksite injuries to equipment damage and client disputes. Without the right insurance, a single accident or liability claim could cost thousands in legal fees, medical expenses, or property repairs.


At A.G. Beck Insurance, we specialize in tailored contractors insurance that provides essential coverage for general contractors, subcontractors, and tradespeople. Whether you’re working on new construction, remodeling, or specialty trade projects, we help you find the best protection at the most affordable rates.



Serving contractors in Silverdale, WA, and across Washington.

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What Does Contractors Insurance Cover?

Contractors insurance includes multiple policies designed to protect your business from financial loss due to accidents, injuries, and lawsuits.

General Liability Insurance (Essential for All Contractors)

  • Covers bodily injury and property damage caused to third parties.
  • Protects against client lawsuits over construction defects, property damage, or job site accidents.

Contractors Equipment & Tools Coverage

  • Covers theft, vandalism, or accidental damage to your tools and equipment.
  • Essential for electricians, plumbers, carpenters, and construction crews.

Commercial Auto Insurance for Work Vehicles

  • Protects company-owned trucks, vans, and service vehicles from accident-related damages.
  • Covers liability for work-related vehicle accidents.

Surety Bonds & License Bonds

  • Required for government contracts and licensed contractors.
  • Guarantees that contract work will be completed as agreed.

Builders Risk Insurance (For Construction Projects)

  • Covers materials, fixtures, and construction sites during active projects.
  • Protects against fire, theft, vandalism, and weather-related damages.

Not sure what coverage your business needs? Our agents can customize a policy that fits your contracting work.

Who Needs Contractors Insurance?

If you work in construction, remodeling, or skilled trades, you need insurance to protect your business, employees, and tools.


Contractors Insurance is Essential for:

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General Contractors & Subcontractors

Liability & worksite protection.

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Electricians & Plumbers

Coverage for tools, work vehicles, and liability.

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Roofers & HVAC Contractors

Higher risk of property damage & employee injuries.

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Handymen & Remodelers

Protection from client lawsuits & work-related injuries.

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Masonry & Concrete Contractors

Coverage for job site accidents & damaged materials.

Need insurance for your contracting business? Call (360) 692-5998 for a free consultation today!

Why Choose A.G. Beck Insurance for Contractors Coverage?

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Industry-Specific Coverage

We customize policies for construction workers, subcontractors, and skilled tradespeople.

Independent & Unbiased

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We compare multiple insurers to secure the best protection at the lowest price.

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Fast Certificates of Insurance (COI)

Get proof of coverage quickly to meet client or project requirements.

Risk Management Expertise

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We assess job site risks and recommend proper coverage limits.

Want to safeguard your business? Call (360) 692-5998 today!

Contractors Insurance Discounts & Cost Savings

Looking for affordable contractors insurance? You may qualify for these money-saving options:

  • Multi-Policy Discount – Save when you bundle general liability, workers’ compensation, and auto insurance.
  • Claims-Free Discount – Lower rates for contractors with no recent claims or lawsuits.
  • Safety Program Discount – Discounts for businesses with strong workplace safety measures.
  • Higher Deductible Savings – Opt for a higher deductible to lower your premium costs.

We’ll help identify every available discount to lower your insurance costs!

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Frequently Asked Questions (FAQ) About Contractors Insurance

  • Is contractors insurance required by law?

    Yes—Washington state requires general contractors and subcontractors to carry liability insurance and workers’ compensation if they have employees.

  • How much does contractors insurance cost?

    Costs depend on your trade, business size, coverage limits, and claims history. Many contractors secure liability policies starting at $500–$1,500 per year.

  • What happens if I don’t have insurance?

    Without insurance, you could face lawsuits, fines, and project disqualifications. Many clients require proof of insurance before hiring contractors.

  • Do independent contractors need insurance?

    Do independent contractors need insurance?

  • Does my homeowners insurance cover my contracting work?

    No—personal homeowners insurance does NOT cover professional contracting work. You need a dedicated business insurance policy.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Contractors Insurance Quote Today!

Protect Your Business, Tools & Employees from Job Site Risks

At A.G. Beck Insurance, we help contractors, subcontractors, and skilled tradespeople secure affordable liability protection to keep their business running safely.

  • Compare contractors insurance quotes from top providers.
  • Customizable coverage tailored to your trade.
  • Expert guidance from local, trusted agents.
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Call us at (360) 692-5998 to speak with a contractors insurance expert.

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Request a free, no-obligation insurance quote online.

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Get a Free Contractors Insurance Quote →

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Build with confidence—get the right coverage today!