Common Question: Is general liability required for contractors?
Yes, it’s often required in contracts. Helps protect business assets, supports credibility with clients.
Protecting your projects, your crew, and your livelihood with coverage tailored to the construction industry.
Get a QuoteRunning a business is challenging enough, which is why we make the insurance process efficient and straightforward.
Harris & Associates does not represent just one insurance provider. We work with a wide range of carriers to secure the best coverage at the most competitive price.
Our most requested policies for general contractors and subcontractors include:
General Liability
Workers’ Compensation
Commercial Auto
Contractor Bonds
Professional Liability
Equipment & Tools Coverage
Umbrella Liability
Common Question: Is general liability required for contractors?
Yes, it’s often required in contracts. Helps protect business assets, supports credibility with clients.
What’s Covered? Liability and damage for business vehicles, beyond personal auto policies.
Common Question: Do I need commercial auto if I use my personal vehicle for business activities?
Yes, personal auto policies typically exclude business use.
What’s Covered? Workers’ Compensation usually covers medical expenses, lost wages, disability, vocational rehabilitation, and death benefits to the surviving dependents.
Common Question: Do I need workers’ compensation if I only hire subcontractors?
Yes, your business can be held responsible if subcontractors do not carry their own workers’ compensation coverage. Always verify certificates of insurance.
For over 20 years we’ve provided expertise and commitment to personalized service that contractors, property owners, and businesses can count on.
We place your interests first. With trust, fairness, and compliance.
With decades of specialized experience in construction and business insurance.
With our expertise and commitment to personalized service, you can focus on what you do best.
We deliver fast certificates of insurance, clear answers, and coverage designed for businesses like yours.
Most certificates of insurance can be issued within one business day. Our team specializes in fast turnaround, so you’ll have documents ready when clients or lenders request them. Special endorsements will require longer waiting times.
Yes. General liability won’t cover stolen or damaged equipment. Inland Marine coverage protects tools, machinery, and other equipment you use for business.
Factors such as industry, location, business size, coverage limits, and claims history. We are committed to guiding you every step of the way, with the right coverage tailored to your specific needs. We work with a wide range of carriers to secure the best coverage at competitive price.
— General Contractor,
Roseville, CA
We’ll walk you through the requirements step by step so you can feel confident in your policy.
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