Contractors Insurance
We partner with hardworking contractors like you who are frustrated with:
- Inaccurate or delayed certificates
- Last-minute renewal issues
- Poor communication and unreturned calls
Let us take the stress out of your insurance. With fast service, reliable support, and tailored coverage, you can get back to doing what you do best—building, wiring, fixing, and creating with confidence.
Insurance That Fits Your Trade
We Simplify Coverage for Contractors Nationwide
Navigating the ins and outs of contractors insurance can be time-consuming and confusing—especially when dealing with delayed certificates, lapsed renewals, or unclear communication. We make it easy. Let us handle the details so you can stay focused on what you do best: delivering exceptional work for your clients. Whether you’re a general contractor, electrician, roofer, carpenter, or remodeler, our targeted insurance packages safeguard your business, tools, and reputation—with flexibility and clarity at every step.
Carpentry
Tailored protection for carpenters and artisan contractors.
Electricians
Risk-specific coverage for residential and commercial electrical work.
Roofers
Critical insurance options for elevated and weather-exposed work.
Flooring & Carpeting
Coverage designed for handling tools and finishing interiors.
Painters
Solutions for liability and property exposures in both residential and commercial work.
Plumbing & HVAC
Robust protection for trade professionals handling systems and infrastructure.
Excavation
Insurance geared for heavy equipment operations and site risks.
General Contractors
Comprehensive policies for large-scale construction and builder management.
Remodelers
Coverage options suited for home renovations and flipping projects.
Why Contractors Trust Us
1. Trade-Specific Expertise
We understand the risks unique to contractors and craft tailored policies that fit—not just generic ones that don’t.
2. Streamlined Process
No more paperwork headaches. We compare top-rated carriers and manage the details, so you're covered quickly and correctly.
3. Reliability When It Counts
Unexpected delays or coverage questions? Count on our responsive support to keep your business moving forward.
How We Protect Contractors
Your business is more than work—it’s your livelihood and legacy. At First State Insurance Agency, we understand the everyday risks that come with owning a construction or trade business. Whether you’re launching a new venture or managing a growing operation, we’re here to offer dependable BOP coverage—customized to protect your property, your people, and your peace of mind. Here’s how we help protect contractors like you:
General Liability Insurance
Covers injuries or property damage caused by your work or team—so one accident doesn’t derail your business.
Tools & Equipment Coverage
Protects your gear on the job site or in transit, so stolen or damaged tools don't stop your workflow.
Workers’ Compensation
Required in most states—this protects your employees and keeps you compliant if someone gets hurt on the job.
Commercial Auto Insurance
Covers work trucks, trailers, and vans that keep your business moving.
Builders Risk / Installation Coverage
Protects materials and structures during construction or renovation—from theft, vandalism, or weather.
Professional Liability (Errors & Omissions)
Covers claims related to design flaws, project delays, or professional mistakes—ideal for contractors who provide consulting, planning, or specialized services.