Contractor Insurance
Guardian Insurance Agency
Build protection as strong as the work you deliver.
Contracting comes with real-world risks, such as jobsites, tools, subs, schedules, and change orders. A tailored contractor insurance program protects your people, property, and projects so one accident or theft doesn’t stall your timeline or cash flow.
Coverage built for every type of contractor
(We tailor limits, deductibles, and endorsements to your trade and contracts.)
- General Liability (GL): Bodily injury/property damage from your operations (on-site and completed work).
- Commercial Property: Office/yard, shop contents, materials stored at your premises.
- Contractor’s Equipment (Inland Marine): Tools, mobile equipment, and jobsite gear on site, in transit, or stored off‑premises.
- Builders Risk (Course of Construction): Property under construction building, materials, and temporary structures.
- Equipment/Systems Breakdown: Mechanical/electrical failure of compressors, lifts, boilers, and critical building systems.
- Business Auto / Fleet: Liability and physical damage for company vehicles.
- Hired & Non‑Owned Auto (HNOA): Liability for rentals and employee‑owned vehicles used for work.
- Workers’ Compensation & Employers Liability: Benefits for on‑the‑job injuries; protects your balance sheet.
- Umbrella/Excess Liability: Higher limits over GL/Auto/Employers Liability for catastrophic claims.
- Professional Liability / E&O (as applicable): For design-build, consulting, or construction management advice.
- Contractors Pollution Liability (CPL): Jobsite releases (mold, asbestos, solvents) and third‑party pollution claims.
- Installation Floater: Materials/fixtures from pickup through installation at the jobsite.
- Crime/Social Engineering: Protection against theft of funds and payment diversion scams.
Why GL matters for contractors
One claim can escalate fast injury to a third party, property damage at the jobsite, or alleged defects after completion. GL helps pay defense costs, settlements, and judgments, and it’s often required to bid on projects. We align your policy with typical contract demands:
- Additional Insured (ongoing & completed operations).
- Primary & Non‑Contributory wording.
- Waiver of Subrogation.
- Per‑project / per‑location aggregates.
- Certificate of Insurance (COI) delivery fast and accurate.
Protect the equipment you rely on
Tools and mobile equipment are frequent loss targets. Contractor’s Equipment covers theft, collision, and other perils on site, in transit, or stored. Pair it with Installation Floater for materials en route and during install. Add options for rented/borrowed equipment, employee tools, and riggers liability if you lift or hoist customer property.
Keep income moving when work stops
A covered loss can halt operations. Add Business Income & Extra Expense to fund payroll, rent, and temporary solutions. For projects under construction, use Builders Risk with soft costs (interest, design fees, permits) and Ordinance or Law for code upgrades.
Pricing factors (what carriers look at)
- Trade & scope: GC vs. specialty (HVAC, electrical, plumbing, concrete, carpentry).
- Revenue/payroll, job size, and mix (residential, commercial, industrial).
- Loss history and risk controls (contracts, training, maintenance).
- Vehicle count and driver MVRs; telematics/dashcams where applicable.
- Equipment schedules and security (fencing, lighting, storage, GPS).
- Selected limits, deductibles, and required endorsements (AI, P&NC, Waiver, per‑project aggregates).
How We Help You Save
- Contract hygiene: Written scopes, change orders, limitation of liability, mutual indemnity; vendor/sub COIs on file.
- Safety programs: Toolbox talks, PPE, fall protection, hot‑work permits, lockout/tagout.
- Site security: Fencing, lighting, cameras, marked storage; remove/secure high‑theft items daily.
- Equipment care: PM logs, serial inventories, GPS tags; secure trailers and job boxes.
- Fleet discipline: MVR standards, driver training, telematics/dashcams, documented inspections.
- Incident readiness: Photo/video capture, witness statements, supervisor call tree, preferred vendors.
The Guardian way
We review your projects, contracts, subs, routes, tools, and payroll, then assemble a clean stack GL, Property, Contractor’s Equipment, Builders Risk, Breakdown, Auto/HNOA, Workers’ Comp, Umbrella, CPL, E&O with the COI wording your clients require. Fast issuance. No gaps.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705