Contractors Insurance

Serving the insurance needs of contractors in Massachusetts, Rhode Island, and New Hampshire since 1986.

Contracting work happens in unpredictable environments — active job sites, changing conditions, and tight timelines. From injuries and property damage to equipment loss and vehicle accidents, contractors face hands-on risks every day.

Contractors insurance helps protect your business from the financial impact of jobsite incidents and operational liability.

What Is Contractors Insurance?

Contractors insurance is designed to protect businesses that perform construction, installation, repair, or trade work.

Unlike office-based businesses, contractors face physical exposure tied to job sites, tools, equipment, and employees working in the field.

Coverage is typically customized based on trade, scope of work, and how your business operates on a day-to-day basis.

Who Needs Contractors Insurance?

Contractors insurance is commonly used by businesses such as:

• General contractors
• Electrical contractors
• Plumbing contractors
• HVAC contractors
• Carpentry and remodeling contractors
• Specialty trade contractors

If your work involves physical labor, tools, vehicles, or job sites, specialized insurance coverage is essential.

Common Coverages for Contractors

Contractors insurance policies are often built using multiple coverages to address different job site risks. Common coverages may include:

General Liability Insurance
Helps protect against third-party bodily injury, property damage, and claims arising from your work.

Workers’ Compensation Insurance
Required in most states if you have employees, covering work-related injuries or illnesses.

Commercial Auto Insurance
Provides coverage for vehicles used for business purposes, including trucks and vans.

Tools and Equipment Coverage
Helps cover loss or damage to tools, machinery, and equipment used on the job.

Professional Liability Insurance
May apply to contractors who provide design, consulting, or project management services.

Commercial Umbrella Insurance
Provides additional liability protection beyond the limits of your primary policies.

Common Risks Faced by Contractors

Contractors face daily exposure to risks that can quickly turn into costly claims, including:

• Injuries to employees or third parties on job sites
• Property damage during construction or installation
• Equipment theft or damage
• Auto accidents involving work vehicles
• Disputes related to project scope or completed work

Having the right insurance coverage helps protect your business when these situations arise.

How Much Does Contractors Insurance Cost?

The cost of contractors insurance varies based on several factors, such as:

• Trade or type of contracting work
• Number of employees and subcontractors
• Payroll and annual revenue
• Claims history
• Coverage limits and policy selections

D’Agostino Insurance works with contractors to build coverage that fits both their risk profile and budget.

Why Work With D’Agostino Insurance?

D’Agostino Insurance has been serving contractors across Massachusetts, Rhode Island, and New Hampshire since 1986.

We understand the realities of jobsite risk and help contractors secure coverage that supports daily operations and long-term growth.

When you work with us, you receive:

• Coverage tailored to your trade and job size
• Access to multiple insurance carriers
• Guidance from experienced insurance advisors
• Ongoing support as your business evolves
• Our goal is to help protect the work you do and the business you’ve built.

Get a Contractors Insurance Quote

If you’re a contractor looking for insurance coverage that reflects the real risks of your work, request a quote from D’Agostino Insurance.

Our team can help you evaluate your options and build a contractors insurance policy that protects your business, employees, and reputation.