Insurance Built for Kentucky Contractors
As a contractor, you face job sites, deadlines, and risks every day, from steep terrain and long drives to tight timelines and demanding clients. Whether you're a general contractor, independent builder, electrician, plumber, roofer, or handyman working in Morehead or across Eastern Kentucky, you need contractors insurance that keeps you protected on every job. Many projects require proof of contractor liability insurance before you can even step on site, and one uncovered accident could put your entire business at risk. Our independent agency helps you meet Kentucky requirements, protect your tools and trucks, and keep your business moving forward with confidence.
What's Included in a Contractors Insurance Program
General Liability Insurance
Helps protect your contracting business if your work causes property damage or bodily injury to others, such as a client's wall being damaged during a renovation. It can also help cover legal defense costs and settlements in covered claims.
Commercial Auto Insurance
Covers work trucks, vans, and trailers used to haul tools, materials, and crews between job sites. It helps protect your business if a covered accident happens on the road.
Tools and Equipment (Inland Marine) Coverage
Provides protection for your movable tools, equipment, and small machinery on and off the job site. This coverage can respond to theft, vandalism, or certain types of damage to your gear.
Workers' Compensation Insurance
Required for most employers with employees, this coverage helps pay medical bills and lost wages if a worker is injured on the job. It also helps shield your contracting business from certain injury-related lawsuits.
Surety Bonds (Where Available)
Many contractors need license, permit, or performance bonds to qualify for projects or meet state and local requirements. We can help you explore bond options to support your bids and contracts.
Umbrella or Excess Liability
Adds an extra layer of liability protection above your underlying policies. This can be especially important for contractors working on larger or higher-risk projects.
How We Help Contractors Protect Every Job
When you reach out to us for contractors insurance, we start by learning about the type of work you do, the size of your operation, and where you take jobs. We review your existing coverage (if you have any) and identify gaps that could leave you exposed, such as uninsured tools or low liability limits. Then we compare multiple carriers that understand contractor business insurance and construction insurance in Kentucky. Finally, we help you choose a practical, affordable plan that can produce certificates of insurance quickly so you can keep projects on schedule.
Optional Steps:
Initial conversation about your trade, employees, vehicles, and tools.
Review of current policies and contract requirements for jobs you're bidding on.
Customized coverage recommendations with clear explanations of options.
Fast binding of coverage and prompt turnaround on certificates for new projects.
Choosing the Right Contractors Coverage
Contractors insurance is not one-size-fits-all, and the right mix depends on your trade, project size, and whether you have employees. This comparison can help you understand the differences between common coverage options.
| General Liability vs Business Owner's Policy (BOP) | General Liability: Focuses on third-party injuries and property damage, and is often the minimum required to start work. | BOP: Combines general liability with property coverage for your office or shop, offering broader protection for many small contractors. |
| Tools and Equipment Coverage vs Homeowners Endorsements | Tools and Equipment: Designed for contractor gear that moves between vehicles and job sites, with limits suited to professional use. | Homeowners Endorsements: Typically not adequate for business tools, which is why contractors need dedicated inland marine coverage. |
| Commercial Auto vs Personal Auto for Work Trucks | Commercial Auto: Covers business-owned trucks and vans, and can meet certificate requirements for commercial jobs. | Personal Auto: Often excludes or limits business use, leaving gaps if an accident happens while hauling materials or equipment. |
| Workers' Compensation vs Sole Proprietor Exemptions | Workers' Compensation: Helps protect employees and satisfy Kentucky requirements when you have staff on payroll. | Sole Proprietor Exemptions: May apply in some situations, but can leave gaps if you later add helpers or subcontractors. |
Conclusion Sentence: Not sure which combination fits your business. Contact us for honest, expert guidance on contractors insurance in Eastern Kentucky.
Common Questions About Contractors Insurance
What insurance do contractors need in Kentucky?
Most contractors need general liability, commercial auto, and tools and equipment coverage at a minimum. If you have employees, you'll likely need workers' compensation as well, and some jobs may require bonds.
How much is liability insurance for a contractor?
Costs depend on your trade, revenue, claims history, and coverage limits. As an independent agency, we compare contractor liability insurance quotes from multiple carriers to help you find a competitive rate.
Do I need contractors insurance if I'm a one-person operation?
Yes, even solo contractors can face lawsuits or property damage claims. A single incident on a job could be financially devastating without proper protection.
Will you help with certificates of insurance (COIs)?
Absolutely, we know how important fast COIs are for contractors. We work to issue certificates quickly so you can start new jobs without delays.
Can you help me meet insurance requirements in contracts?
Yes, we review your contract requirements and advise on coverage and limits. Our goal is to help you satisfy job requirements without buying more than you truly need.
Ready to Protect Your Contracting Business
Build your business with confidence, knowing every job is backed by the right coverage. Reach out today for a tailored contractors insurance plan built around your trade, your risks, and your goals.
