Contractor Insurance

Contractor Insurance that works when you do.

Get an insurance policy by the hour, day, or month in 60 seconds. Get a Quote See covered activities

Contractor insurance, simplified.

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.

What is covered under a contractor and handyman liability insurance policy?

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

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.

3rd 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.

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.

Medical Coverage
She also sprained her wrist in the fall. With a general liability policy with Thimble, the cost of her medical treatment will be covered.

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.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Contractor Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

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

Get a Quote

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.

Who is covered under a contractor insurance policy?

General contractor insurance from Thimble is customized to meet the needs of contractors like you. We cover the following professions and activities:

Are my crew’s workplace injuries covered?

No, injuries to your crew members are not covered under a General Liability policy. This type of coverage only applies to injuries to third parties. To protect your crew against accidental injury, consider taking out a worker’s compensation policy.

Are my tools and equipment covered?

Thimble does not provide equipment insurance to cover your machinery and equipment, but there are others partner InsureMyEquipment offers this coverage.

What do I need to get a contractor insurance quote?

All you need to provide is your industry, zip code, and desired coverage period, and we will provide you with an instant quote tailored to your needs.

Does Thimble’s contractor insurance cover builder’s risk?

Not yet. Builder’s risk is a type of property insurance that protects against the loss or damage of material or equipment being used for construction. For example, if a building catches fire or sustains wind damage, this would fall under the category of builder’s risk insurance.

Builder’s risk insurance is not included in the General Liability insurance for contractors arranged by Thimble.

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.

Are independent contractors covered?

Thimble insurance is made for small businesses that need General Liability insurance on demand. Whether you work with a small crew or by yourself, we can help you get an insurance policy that fits your business needs. If you’re not in the handyman and construction space, check out our freelance insurance options.

Hiring subcontractors? Stay organized.

Try the Thimble Certificate Manager, a free platform to help you organize + automate approving subcontractor documents.

Have questions? Visit our FAQs

Handymen + Contractor insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • AV Installation
  • Alarm Systems Installation & Repair
  • Carpentry
  • Carpentry - Interior
  • Carpet Cleaners
  • Closet Installation
  • Contractors
  • Debris Removal
  • Deck Building
  • Electrical
  • Fence Building
  • Finish Carpentry
  • Finishing Contractors
  • Flooring
  • Furniture Assembly (No Cribs or Bunk Beds)
  • Furniture Installation - Office
  • Furniture Refinishing
  • Glaziers
  • Gutter Cleaning
  • Handypersons
  • Interior Painting
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Millwork
  • Office Machine Installation and Repair
  • Painting & Siding
  • Piano Tuning
  • Seal Coating
  • Siding
  • Small Contractors including Finishing Contractors
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Servicing (no construction)
  • Tiling
  • Upholstering
  • Wallpapering
  • Walls
  • Window Cleaning
  • Window Decorating

Optional Add-Ons

  • Appliance Installation
  • Chimney Cleaning
  • Concrete Construction
  • Exterior Painting
  • Floor Waxing
  • HVAC
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal
  • Sign Installation

Excluded Activities

  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • Fire or Water Mitigation or Restoration
  • Foundation Work or Repair
  • Grading or Excavating
  • Installation Servicing or Repair
  • Machinery or Equipment Repair (Other Than Office Machines and Household Appliances)
  • Performing Work over Three Stories in Height (30 feet)
  • Performing work for the oil and gas industry
  • Pool Construction
  • Roadside Assistance
  • Roofing Work or Repair
  • Street, Road and Highway Work
  • Those Specializing in Garage Door Installation, Servicing or Repair
  • Traffic Control
  • Welding
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

Thimble offers easy, affordable, and flexible insurance for contractors.

Policies start at just $5/hr
"With an annual policy, you have to pay upfront, which can be difficult for a small business like mine. What distinguished Thimble was the hourly rate." Reis T., Charity’s Roof and Gutter Cleaning

We make business
insurance simple.

Flexible Coverage

Buy Thimble On Demand by the hour, day, or week, or get Thimble Monthly to keep the clock running.

Instant Certificates

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.