Contractor Insurance

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Thimble makes contractor insurance affordable.

  • Get covered in minutes
  • Simple monthly payments or one upfront payment
  • Instant Certificate of Insurance
  • Add most Additional Insureds at no extra cost
  • Waiver of Subrogation included with Additional Insured

Why do I need a contractor insurance policy?

Whether you are a general contractor, handyman, or electrician, you know that there are risks inherent to your job. You need an insurance policy that’s built to protect – and flexible enough to accommodate your schedule.

The General Liability contractor insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage.

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What is covered under a contractor liability insurance policy?

The Contractor Liability Insurance Policy arranged by Thimble protects your business when on-the-job incidents end up causing bodily injury or third party property damage.

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Bodily Injury

You are working at a client’s property and you leave your toolbelt on the floor while taking your lunch break. During this time, the client walks through your work area and trips over the toolbelt, sustaining an injury.

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Third-Party Property Damage

You are installing new cabinets in a client’s home, and while moving materials through the foyer you accidentally knock over and break an expensive antique vase.

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Medical Expenses

Your client also sprained her wrist in the fall. A general liability policy arranged by Thimble could help cover the cost of her medical expenses.

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Defense Costs

After finishing a debris removal project, a client claims that not all of the shingles from a recent home renovation project were removed. She tripped over a small pile of the scraps, and sues you for the cost of your work.

We also recommend adding some coverages to make sure you are fully protected while on the job.

Customer Property Protection

Coverage for damage to or loss of customer property or belongings that are in your care, custody or control, or on which you are performing work. Coverage does not apply to poor workmanship performed by you or those working on your behalf.

Business Equipment Protection

Coverage for damages to business equipment you own, rent or borrow and regularly take off-site.

Cyber Insurance

Cyber insurance provides coverage for claims of losses and damages resulting from security and privacy breaches, system failures, cybercrimes (such as ransomware), and the release of media materials by the insured.

Workers’ Compensation Insurance

Workers’ compensation protects your business in case an employee gets hurt on the job or becomes ill from a work-related event.

How much does general liability insurance cost for contractors?

The cost of your Contractor Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your contracting or construction business.

To get an accurate idea of how much Contractor Insurance would cost you and your business, get a quote from Thimble.

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Contractor Insurance FAQs

How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.

What are the construction insurance policy limits?

You can select a policy limit of $1 million or $2 million, depending on your needs and the level of risk that you would like to be insured against.

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*A policy under 24 hours in duration cannot be canceled, nor its paid premium returned, once the policy incepts. Only Thimble Monthly policies can be paused, one time and for up to 30 days