Construction & Contractors Insurance

Protect Your Contracting Business Without Overpaying

Running a contracting business is extremely difficult. 

You’re forced to wear multiple hats at all times, all of which cut into what you really want to be doing, the work.

That’s why we built an exclusive contractors insurance program to address the unique needs of contractors, subcontractors and independent tradesman including the following classes…

  • Electrician
  • Landscaping
  • Masonry
  • Painter
  • And many more…

Contractors Insurance Program

The following program highlights were specifically designed to address the needs of Contracting Businesses.

  • Preferred pricing options: We with best-in-class insurance carriers who understand the plumbing business and are hungry to add new clients.
  • Custom-tailored insurance: We specialize in plumbing businesses like yours and tailor coverage to the risks in your specific operation.
  • Claims responsiveness: When a claim is reported, our carrier partners immediately assign a dedicated claims representative to assist you.
  • Surety Bonds: Rogue Risk can handle all your bonding needs from start to finish.
  • Passion for convenience: We know you’re busy, so without sacrificing service or quality of products, we set up our agency to be convenient for you and your schedule.
Contractor insurance

Frequently Asked Questions About Contractors Insurance

Below are answers to frequently asked questions (FAQs) about contractors insurance. If you have other questions you can contact us using the form above.

Why do I need contractors insurance?

Contractors liability insurance offers your business protection and peace of mind for the unpredictable accidents that inevitably occur in every business. With the right independent contractor insurance, you can do your work and focus on the job at hand. You also need contractors liability insurance to get a Certificate of Insurance (COI) for a client job.

How much does contractors insurance cost?

Pricing is a moving target.  It depends on the size of your business and the services you offer your clients.  It also depends on the types of coverage you need.  For example, if you only need General Liability, it would cost less than if you need to cover Property and Workers’ Compensation along with General Liability.  That being said, a solid liability only policy will start around $1,000 a year and go up from there.

How long does it take to get a quote?

Once answer a few short questions with our team regarding property insurance, workers’ compensation, etc. you can have a comprehensive quote in 24 hours or less.  The process is not long and depends on how quickly we can have a conversation with you to get the necessary underwriting information.

What type of contractors insurance do I need?

The type of insurance you depends on your operation. At a bare minimum, most contracting businesses regardless of type of operation need General Liability to protect them from lawsuits stemming from work performed while on a job site and after completing the work, property insurance to cover your building (if you own it), contractors equipment, improvements and business income insurance; if you have employees, you will also need workers’ compensation.  We can guide you in the correct direction during our initial consult, which is free.

How do I get a certificate of insurance?

Believe it or not, getting a certificate is a breeze!  We have a member portal where you can log in and get your certificates in real time!  It takes you less time to enter the portal and request the certificate that it would for you to send an email with instructions on what you need.  That said, if your certificate requires special language or you aren’t sure of something the certificate holder is asking for, you can always contact us and we will issue it on our end immediately.  Getting a certificate is not something that should require you to wait for days on end.

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"No Customer Left Behind"

At Rogue Risk, one of our core values is “No Customer Left Behind.”

No small business owner should be left to fend for themselves because their account is “hard to place” or their insurance premiums are “too small to be profitable.”

We are NOT scared to put in the extra work necessary to find the insurance you need to protect your business.

This short video explains why…


Insurance Company Partners

In order to always provide the best coverage possible, at the most competitive rate in the market, we’ve partnered with a wide range of commercial insurance companies. Not all insurance companies are created equal. Our clients are placed with only the best small business insurance companies, that show up when there is a claim. Here are a few of the partner carriers we choose to place our clients with…

LIBERTY MUTUAL
Hartford workers comp insurance
Chubb workers comp
Hanover airbnb insurance
Guard insurance

We Built An Entirely New Insurance Process Tailored To Your Unique Needs As A Small Business Owner


The Fastest Way To Get Business Insurance.

Researching and comparing commercial insurance can take weeks. With Rogue Risk, you enter basic information about your business and get a custom quote in minutes not days.

Cash Flow Friendly And Affordable Commercial Insurance.

You started your business to make money. You certainly don’t want to see that hard-earned cash get burned up by insurance premiums. Coverage is paramount, but we pride ourselves on always getting the best price possible for our clients.

Insurance Tailored To Your Specific Business Risk.

We use over 30 years of industry experience and machine learning to recommend and explain which commercial insurance policies and coverage limits will best suit your needs. You save time and won’t pay for insurance you don’t need.

Top-Rated Carriers That Cover Businesses Like Yours.

Not all insurance carriers have the same appetite when it comes to small business insurance. At Rogue Risk, we’ve partnered with 30+ carriers that want to write small business insurance and provide great coverage at an even better price.

Insurance Articles

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Are You Ready To Save Time, Money And Reduce Your Total Cost Of Risk?

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