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Insurance for contractors who cannot afford coverage gaps
From job site injuries and equipment losses to workers' compensation, commercial auto, subcontractor risk, and contract requirements, Allen Insurance Group helps contractors protect their people, projects, equipment, and business.
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Contractor risk does not wait until renewal season
One claim, misclassified employee, uncovered vehicle, stolen tool, or missing certificate can stall your job and hit your bottom line.
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A crew member falls or gets hurt on the job. Without proper workers' compensation or general liability coverage, medical bills and lost time become your problem.
Workers' compensation claims
Coverage areas contractors should review
Each coverage type protects a different part of your operation
General liability covers bodily injury and property damage
Protects you when someone is hurt or property is damaged on your job site
Workers' compensation protects your crew
Required in most states and covers medical bills and lost wages if an employee is injured
Commercial auto covers your vehicles and equipment
Protects your trucks, vans, and equipment trailers from accidents and liability
Tools and equipment coverage protects your investment
Covers theft, damage, and loss of tools and equipment on and off the job site
Inland marine covers portable equipment and materials
Protects equipment in transit and at temporary job locations
Workers' compensation is one of the biggest cost drivers for contractors
Your payroll, job classifications, and claims history directly affect your renewal rates. Misclassified employees and high experience mods can double your costs. We review everything to find savings.
When a job requires proof of coverage, you need answers fast
Missing certificates of insurance, additional insured endorsements, or waivers of subrogation can delay your job start and cost you money. We manage your paperwork so you stay on schedule.
We review the business behind the policy
We do not just look at your current policies. We understand your crews, vehicles, equipment, job sites, subcontractors, and contracts. We review your claims history and renewal pressures to build a plan that actually works.
Your type of work and crew size
Your vehicles, equipment, and tools
Your job sites and contract requirements
Review current policies
We examine what you have in place and what it actually covers
Understand your operations
We learn about your crews, equipment, job types, and contract requirements
Identify gaps and cost drivers
We find where your coverage falls short and where you might be overpaying
Build your protection plan
We compare options and recommend coverage that fits your business and budget
Your insurance strategy should support your crew, too
Beyond insurance, your crew needs health coverage, retirement planning, and HR support. Allen Insurance Group and The Benefits Connection help contractors review employee benefits, health insurance renewals, voluntary benefits, and retirement plan options.
FAQs
Answers to common questions about contractor insurance coverage and protection.
Most contractors need general liability to cover bodily injury and property damage claims. Workers' compensation protects your crew if someone gets hurt on the job. Commercial auto covers your vehicles and equipment. Many contracts also require builder's risk, inland marine for tools, and umbrella coverage for extra protection.
Yes. We manage certificates of insurance, additional insured endorsements, and waivers of subrogation so you can meet contract requirements without delays. We keep your paperwork current and ready when jobs demand proof of coverage.
Absolutely. We analyze your payroll, job classifications, claims history, and experience modifications to find cost control opportunities. We also discuss safety programs and renewal strategies to keep your rates competitive.
Yes. Subcontractors can expose you to liability if they lack proper insurance or cause damage. We review your subcontractor agreements, verify their coverage, and make sure your policies protect you from gaps in their protection.
We can. Rising premiums often reflect claims history, payroll changes, or coverage gaps. We review what drove the increase, compare options with other carriers, and build a plan to stabilize your costs without sacrificing protection.
Still have questions?
Reach out to our team.
Protect the business you are building
Start with a practical contractor risk review from Allen Insurance Group.