Contractor Insurance FAQ - Expert Answers to Your Questions
Get comprehensive answers about contractor insurance, state licensing requirements, and coverage options from licensed professionals. Serving contractors across all 50 States since 2005.
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Welcome to the most comprehensive contractor insurance FAQ resource available online. Whether you're a general contractor, specialty contractor, or subcontractor, our expert team at Contractor's Choice Agency has compiled detailed answers to the most frequently asked questions about general liability insurance, workers' compensation, and state licensing requirements across all 50 States we serve.
Commercial General Liability Insurance
Everything you need to know about CGL insurance costs, coverage, and certificates.
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How much does General Liability insurance cost for contractors?
General Liability insurance for contractors typically costs between $300-$1,500+ annually, depending on your trade, coverage limits, and risk factors. Occurrence policies (recommended) cost more than Claims Made policies but provide better protection.
We offer financing with 10 equal monthly payments and can provide quotes in 15 minutes.
Do I get Certificates of Insurance at no charge?
Yes, Contractor's Choice Agency provides Certificates of Insurance at NO CHARGE to all policyholders. You can get certificates 24/7 via phone, email, or online account access.
Certificates are state-approved ACORD forms that prove your active coverage to clients.
What's the difference between Claims Made and Occurrence policies?
Claims Made policies only cover claims filed during the policy period (cheaper but riskier). Occurrence policies cover claims even after the policy expires (recommended for contractors).
Most contractor claims are filed months or years after the work is completed.
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Our experienced agents can help you find the right coverage at the best price. Get a quote in 15 minutes or call us now!
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Get your customized contractor insurance quote in minutes. Our licensed agents specialize in finding the right coverage for your specific trade and project needs.
Builders Risk Insurance
Essential protection for construction sites, materials, and projects from start to finish.
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What is Builders Risk Insurance?
Builders Risk Insurance protects construction sites from loss or damage including flood, fire, wind, theft, and vandalism. Coverage can include construction materials (even in transit), fencing, scaffolding, signs, and landscaping.
Both homeowners/business owners or contractors can purchase the policy.
How much does Builders Risk Insurance cost?
Builders Risk pricing varies by project value, location (zip code), square footage, and coverage options selected. Each project is rated individually based on these risk factors.
New builds require 12-month terms, while remodel/renovations can be 3, 6, 9, or 12-month terms.
What are Builders Risk policy terms?
New construction requires 12-month terms and ends when homeowners policy is purchased. Renovations offer flexible 3, 6, 9, or 12-month terms. No refunds if project completes early.
Choose policy term carefully based on realistic project completion timeline.
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Ready to Protect Your Construction Project?
Get Builders Risk coverage tailored to your project needs. Our experts can help you choose the right coverage options and policy terms for your specific construction timeline.
Workers' Compensation Insurance
Essential protection for your employees and your business. Understanding coverage, requirements, and how rates are determined.
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What does Workers' Compensation insurance cover?
Workers' Compensation covers job-related injuries, medical care, compensation for injuries, and provides death benefits for surviving spouse and dependents. Coverage includes accidents on job sites, auto accidents while traveling on business, and work-related illnesses.
You must purchase from a licensed agent and all policies are based on payroll amounts.
How are Workers' Compensation rates determined?
Rates are determined by work class descriptions (roofer, clerical, tile, frame, etc.). Each class gets assigned a code with a rate per $100 of payroll. That rate is multiplied by pay rates to calculate premiums.
Higher risk jobs like roofing have higher rates than clerical work.
Is Workers' Compensation required?
Yes, states require this coverage to protect injured workers and ensure they receive proper medical treatment. It also protects employers from potential employee injury lawsuits.
Each state has different laws governing when you need Workers' Compensation coverage.
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Ready to Protect Your Employees?
Get Workers' Compensation coverage that meets your state requirements and protects your team. Our experts will help you understand your obligations and find the most cost-effective solution.
Workers' Comp Made Simple Across All States
Navigate complex state requirements with confidence. Our experts handle the compliance complexity so you can focus on growing your contracting business.
Professional Employer Organizations (PEOs)
Understanding how PEOs can simplify your HR, payroll, and Workers' Compensation needs while reducing administrative burden.
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What is a Professional Employer Organization (PEO)?
A PEO relieves contractors of many employee-related tasks and liabilities. You remain the day-to-day employer while they handle back office administration, payroll, Workers' Compensation, HR support, and benefits.
Most can get you started within a week and don't charge up-front fees.
What services do PEOs provide?
PEOs provide Workers' Compensation pay-as-you-go, complete payroll services, tax filing, multi-state coverage, HR support, safety programs, and employee benefits like medical, dental, vision, and 401k plans.
All payroll, Workers' Comp, and HR support are mandatory. Benefits are flexible based on your needs.
How quickly can you start with a PEO?
Rate quotes are usually available within 24 hours. You can typically become part of the PEO organization within about one week from approval. Many PEOs don't charge up-front fees.
The setup process is streamlined for quick business implementation.
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Ready to Simplify Your Business Operations?
Let a PEO handle the administrative burden so you can focus on growing your business. Get a customized quote within 24 hours and see how much time and money you could save.
Do I need a Contractor's License? (By State)
Complete guide to contractor licensing requirements across all states. Understanding when you need a license, what type, and specific state regulations.
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Do I need a contractor license?
Contractor licensing requirements vary dramatically by state. California requires licenses for $500+ projects, Nevada requires 4 years experience plus exams, while states like Colorado have no requirements. Always check both state and local regulations before starting work.
Some states are strict (CA, NV, AZ, FL) while others have minimal requirements (CO, TX, IL).
What are common contractor license requirements?
Common requirements include 2-4 years experience, trade examinations, business and law exams, liability insurance, surety bonds, and minimum project value thresholds. Each state sets different combinations and amounts.
Requirements can include experience verification, written exams, insurance proof, and bond amounts.
Which states have strict contractor licensing?
Strict licensing states include California ($500+ projects), Nevada (4 years experience required), Arizona (trade exam + bond), Florida (trade + business exams), and Louisiana ($7,500+ projects).
Minimal requirement states include Colorado (no requirements), Texas (local only), Illinois (city/county level).
Detailed Overview
State-by-State Licensing Requirements
Click on any region below to view detailed licensing requirements for all states in that area. Each section includes specific thresholds, examination requirements, and insurance needs.
⚠️ Important Disclaimer
This information is provided as a service. To the best of our knowledge, it is correct and up-to-date; however, it is not expected to be taken as legal advice and you must always check the requirements on both a state level and a local government level before you start any work.
Need Help Understanding Your State Requirements?
Our experts understand contractor licensing requirements across all states and can help you ensure you're properly licensed and insured for your projects. We'll guide you through the process.
Still Have Questions About Contractor Insurance?
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