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Contractors Insurance

Provides coverage for contractors and building professionals against a variety of property and personnel-related risks that may arise during the course of construction.
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Protection for All Industries

Contractors insurance not only helps protect your business, but it’s often an employer requirement — contractors and independent tradesmen should all carry this commercial insurance.

The type of work you perform can affect the cost of your contractors insurance plan quite drastically. By listening to your daily work requirements and staying up-to-date on your industry, we can help you find a policy that matches your needs.

Who needs contractors insurance?

Contractors’s insurance is often a requirement for general contractors, subcontractors and independent contractors. It is an important component to keeping your business safe.

Contractors that work in the fields listed below often need insurance:

  • Electricians
  • Plumbers
  • Construction
  • Heating and Cooling
  • Handymen
  • Installation
  • Landscaping
  • Carpenters

Types of Coverage Include:

General Liability Insurance
Helps pay for costs associated with damages or medical payments due to third party injuries.
Commercial Vehicle Coverage
Insures vehicles owned or leased by your business.
Equipment Coverage
Helps protect against loss and damage to machinery and equipment.
Property Insurance
Coverage that helps protect your property.
Installation Floater Coverage
Helps protect property being installed.
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Builder's Risk
Protection for long and complex construction projects.
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Errors and Omissions
Provides greater protection against financial losses due to negligence, errors, or oversights in the services or advice provided by a contractor.
Why Lindow?

A Legacy of Excellence

For over two decades, American Advantage Lindow Insurance and our like-minded agents have been providing Wisconsin with responsive service and competitive insurance products. Why? It's what we'd want for our own families -- and yours is no different.

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What is contractor's insurance?

Contractor's insurance covers risks faced by contractors, such as property damage, injuries, equipment theft, and liability claims.

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Is contractor's insurance mandatory?

Some states or clients may require contractors to have specific coverages before starting a project.

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How does contractor's liability insurance differ from a surety bond?

Contractor's liability insurance covers accidents, injuries, and some work mistakes. In contrast, a surety bond assures the contractor will complete the job as agreed and can compensate the client if they don't.

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Does contractor's insurance cover subcontractors?

Not automatically. Contractors should ensure that subcontractors have their own insurance or consider extending coverage to include them.

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What if I work on high-risk projects or use specialized equipment?

Contractors working on high-risk projects or using specialized equipment may need additional endorsements or coverages tailored to their specific needs.

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