Coverage That Works as Hard as You Do.
As a contractor, builder, or tradesperson, your job involves risks—from on-site accidents to property damage and legal disputes. A single mistake or unexpected event can threaten your business and financial security.
At Scheer’s Insurance Services, we provide comprehensive contractors insurance tailored to protect your business, employees, tools, and reputation from costly claims and unexpected losses.
Stay Protected Against Job Site Risks.
Whether you're a general contractor, independent tradesperson, or construction business owner, protecting your business and assets is essential. Our contractor insurance policies provide coverage for:
- Liability Protection – Shields against injuries, property damage, or legal claims from third parties.
- Property & Equipment Coverage – Covers tools, machinery, and job site materials against theft, fire, or damage.
- Workers’ Compensation – Ensures financial protection for employees in case of work-related injuries.
- Commercial Auto Coverage – Protects company vehicles and fleet used for contracting work.
Flexible Home Insurance Plans for Every Homeowner.
General Liability Insurance
Protects against bodily injury, property damage, and legal claims resulting from business operations.
Tools & Equipment Insurance
Covers loss, theft, or damage of specialized tools, heavy machinery, and mobile equipment.
Workers’ Compensation Insurance
Provides coverage for medical expenses and lost wages if an employee is injured on the job.
Commercial Auto Insurance
Covers work trucks, vans, and fleet vehicles used for transporting materials and employees.
Builders Risk Insurance
Covers unfinished construction projects from damage due to fire, storms, vandalism, or theft.
Protection That Keeps Your Business Moving Forward.
Running a contracting business is complex, but your insurance shouldn’t be. At Scheer’s Insurance Services, we provide affordable, hassle-free insurance coverage so you can focus on building and growing your business.
- Industry-Specific Coverage – Plans tailored for general contractors, electricians, plumbers, and specialty trades.
- Competitive Pricing – We work with top-rated providers to get you the best rates.
- Fast & Easy Claims – Quick claims process to minimize downtime and financial loss.
- Expert Advisors – Our insurance specialists understand construction risks and industry regulations
FAQs
What is contractors insurance and who needs it?
Contractors insurance protects your contracting business from financial losses related to property damage, bodily injury, and liability at job sites. It's essential for general contractors, electricians, plumbers, HVAC technicians, painters, and tile or flooring contractors.
What are typical contractor insurance requirements?
Most states require proof of general liability insurance, workers compensation insurance (or contractor workmans comp insurance), and often contractors equipment insurance or commercial auto. Clients may also request a contractor insurance certificate or certificate of insurance for contractors before work begins.
How much does contractor insurance cost?
The contractor liability insurance cost depends on your trade, number of employees, and job risks. For example, general contractor insurance cost is usually higher than painting contractor insurance due to broader responsibilities. Expect costs to range from a few hundred to several thousand dollars annually.
What’s the difference between contractor liability insurance and contractor errors and omissions insurance?
Liability insurance for independent contractors covers accidents causing injury or property damage. In contrast, errors and omissions insurance protects against claims of professional negligence or mistakes in your work.
Are there specific policies for different trades like electricians or plumbers?
Yes. You can get electrical contractor insurance, plumbing contractor insurance, hvac contractors insurance, or flooring contractor insurance, each tailored to the unique risks of that trade. For example, general liability insurance for electrical contractors often includes added fire protection.
What is bonded and insured contractor status?
Being "bonded and insured" means you carry liability coverage and a surety bond, which reassures clients that your work is protected. This is often a requirement for municipal jobs and larger contracts.
Do I need workers compensation insurance for independent contractors?
If you hire subcontractors or employees, you're often required to carry workers compensation. Even solo contractors may be required to comply, especially in states like Pennsylvania (contractor insurance PA laws).
Should I show my contractor my insurance estimate?
It's usually best to keep insurance estimates confidential. If you're a business owner, your goal is to provide a certificate of insurance rather than disclose sensitive premium information to subcontractors.
What types of damages does contractors all risk insurance cover?
Contractors all risk insurance covers a range of scenarios including accidental property damage, loss of tools and equipment, and even weather-related issues during a project. It's a smart choice for high-risk or large-scale construction jobs.
Which carriers offer contractor policies?
We partner with established providers including Preferred Contractors Insurance Company, Mutual Insurance networks, and other reputable insurance companies that specialize in protecting small businesses and tradesmen.
Secure Your Business. Protect Your Projects.
Don’t leave your business exposed to unnecessary risks. Ensure you have the right coverage to protect your assets, employees, and future. Let Scheer’s Insurance Services provide you with peace of mind.