GENERAL CONTRACTOR INSURANCE

You can save up to 25% in discounts on business insurance.*

General Liability

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Workers' Compensation

Commercial Property

Tools & Equipment

Other Coverages

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General contractor liability insurance designed to protect your business

NEXT Insurance is a one-stop-shop to help you get the general contractor insurance you need to protect your business from accidents, injured employees, legal fees and damaged vehicles. Our insurance packages typically include:

General liability
Workers’ compensation
Commercial auto
Tools and equipment
Commercial property

We’ll help you get the general contractor insurance coverage you need

It’s all about managing your risk. See the different policies available for general contractors and save 10% when you bundle two or more policies

General Liability

Bought by 95% of business owners like you

General liability insurance for general contractors covers a wide range of construction accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and licensing agencies. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Bought by 80% of business owners like you

Errors and omissions insurance for general contractor business (also known as professional liability) helps you to defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of project cost overruns, it could help cover related expenses to defend yourself.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for construction business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you drive your own truck to a job site.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance provides financial protections for general contractors for workplace injuries. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your contractor license. It can help pay for medical bills and lost wages after an accident.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your general contractor work gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your general contractor business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

gilbert f.

Chris Reinitz Construction

Best insurance should be your next insurance for your small business

Chris R.

Awesome

The best insurance company I've delt with by far.

Jared B.

Great service

Very easy to use site

Theodore S.

Quick service.

They were just there for me instantaneously.

MattHew H.

New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

Ofelia U.

Pleased

I heard about NEXT via a instagram post and it piqued my interest. I was pleasantly surprised at ease of website and the value Would highly recommend

Jesus C.

Next is the BEST

Best customer service ever! Everyone was quick to respond with everything I needed

christopher h.

consolidating insurance

My sales provider help me thru the process. It was so easy.

kelly J.

General Liability

Super simple process

Jordan S.

You can save up to 25% in discounts on General Contractor insurance

You can pay for your insurance package on a monthly or annual basis and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does general contractor insurance cost?

General contractor insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs our employees do
The number and types of vehicles you use at work

General contractors save up to 25% in discounts, depending on the kind of work that’s done. More risky professions can expect to pay more.

Learn more about general contractor insurance costs and coverage.

General contractor insurance requirements

General contractors are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get a general contractor license. Learn more about the general contractor license requirements in your state.
Win a bid or start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees or subcontractors. Most states require workers’ compensation from general contractors with employees.
Drive for business purposes. General contractor business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.