BUSINESS INSURANCE
Contractor Insurance
From tools and vehicles to employees and active jobsites, contractors face risks that change with every project. Legacy helps Colorado contractors build insurance programs around the work they perform.
UNDERSTANDING YOUR COVERAGE
Protection Built for the Job
Contractor insurance is not one specific policy. It typically combines several types of coverage to protect your operations, employees, equipment, vehicles, and work.
Coverage Contractors May Need
General Liability - Certain third-party injury, property damage, and completed-work claims arising from your operations.
Workers’ Compensation - Medical expenses, wage replacement, and other benefits for employees with covered work-related injuries or illnesses.
Commercial Auto - Liability and physical damage coverage for trucks, vans, trailers, and other vehicles used for business.
Inland Marine - Tools, equipment, and other business property transported between jobsites or used away from your primary location.
Commercial Property - Buildings, inventory, equipment, and other property kept at your office, shop, or permanent location.
Umbrella Liability - Additional liability limits above certain underlying commercial policies.
WHO NEEDS CONTRACTOR INSURANCE
Coverage for the Work You Do
Insurance requirements can vary based on your trade, project size, employees, subcontractors, equipment, and contractual obligations.
Contractor insurance may be appropriate for:
General contractors
Electricians
Plumbers
HVAC contractors
Roofers and siding contractors
Painters and drywall contractors
Carpenters and remodelers
Landscapers and excavation contractors
Concrete and masonry contractors
Specialty trades and independent contractors
THE DETAILS MATTER
Your Contracts Can Affect Your Coverage
A policy that meets basic licensing requirements may not satisfy every client or construction contract. Reviewing insurance requirements before work begins can help prevent delays and unexpected coverage gaps.
Additional Insured Requirements - Certain contracts require another party to be added to your liability policy.
Certificates of Insurance - Clients and general contractors may require documentation showing specific policies and limits.
Completed Operations - Claims may arise after a project has been completed and accepted.
Subcontractor Risk - Your agreements, insurance requirements, and use of subcontractors may affect your exposure.
Project-Specific Requirements - Government, commercial, and large construction projects may require higher limits or special endorsements.
Surety Bonds - Bid, performance, payment, license, or permit bonds may be required before work can begin.
GUIDANCE FROM LEGACY
Coverage That Works as Hard as You Do
Your trade, payroll, equipment, vehicles, subcontractors, and project requirements all shape the insurance your business needs. Tell us about your work, and a member of Legacy will contact you to discuss your options.
Coverage descriptions are provided for general informational purposes only. Actual coverage, limits, conditions, and exclusions vary by policy and insurer. The terms of the issued policy control in the event of a claim. Coverage cannot be bound, changed, or canceled through this website or by submitting an online form.